The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$84,143
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$86,760
−HK$2,659/mo
Today · 4.125%
HK$89,419
baseline
▲ 0.50% · 4.625%
HK$94,860
+HK$5,441/mo
Deposit HK$18.45M · loan HK$18.45M · min. income ≈ HK$178,838/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,568,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,608
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$96,119
−HK$2,546/mo
Today · 4.125%
HK$98,665
baseline
▲ 0.50% · 4.625%
HK$103,866
+HK$5,201/mo
Deposit HK$18.45M · loan HK$18.45M · min. income ≈ HK$197,330/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,568,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,971
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$104,112
−HK$3,191/mo
Today · 4.125%
HK$107,303
baseline
▲ 0.50% · 4.625%
HK$113,832
+HK$6,529/mo
Deposit HK$14.76M · loan HK$22.14M · min. income ≈ HK$214,606/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,568,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,330
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$115,342
−HK$3,056/mo
Today · 4.125%
HK$118,398
baseline
▲ 0.50% · 4.625%
HK$124,639
+HK$6,241/mo
Deposit HK$14.76M · loan HK$22.14M · min. income ≈ HK$236,796/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,568,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,800
−HK$7,387/mo
▼ 0.25% · 3.875%
HK$121,464
−HK$3,723/mo
Today · 4.125%
HK$125,187
baseline
▲ 0.50% · 4.625%
HK$132,804
+HK$7,617/mo
Deposit HK$11.07M · loan HK$25.83M · min. income ≈ HK$250,374/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,568,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,051
−HK$7,080/mo
▼ 0.25% · 3.875%
HK$134,566
−HK$3,565/mo
Today · 4.125%
HK$138,131
baseline
▲ 0.50% · 4.625%
HK$145,413
+HK$7,282/mo
Deposit HK$11.07M · loan HK$25.83M · min. income ≈ HK$276,262/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,568,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,457
−HK$9,498/mo
▼ 0.25% · 3.875%
HK$156,168
−HK$4,787/mo
Today · 4.125%
HK$160,955
baseline
▲ 0.50% · 4.625%
HK$170,748
+HK$9,793/mo
Deposit HK$3.69M · loan HK$33.21M · min. income ≈ HK$321,910/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,568,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,494
−HK$9,104/mo
▼ 0.25% · 3.875%
HK$173,013
−HK$4,585/mo
Today · 4.125%
HK$177,598
baseline
▲ 0.50% · 4.625%
HK$186,959
+HK$9,361/mo
Deposit HK$3.69M · loan HK$33.21M · min. income ≈ HK$355,196/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,568,275 · Scale 2, in force from 26 Feb 2026)