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$84,052
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$86,667
−HK$2,656/mo
Today · 4.125%
HK$89,323
baseline
▲ 0.50% · 4.625%
HK$94,758
+HK$5,435/mo
Deposit HK$18.43M · loan HK$18.43M · min. income ≈ HK$178,646/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$1,566,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,507
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,015
−HK$2,544/mo
Today · 4.125%
HK$98,559
baseline
▲ 0.50% · 4.625%
HK$103,754
+HK$5,195/mo
Deposit HK$18.43M · loan HK$18.43M · min. income ≈ HK$197,118/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$1,566,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,862
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$104,000
−HK$3,187/mo
Today · 4.125%
HK$107,187
baseline
▲ 0.50% · 4.625%
HK$113,710
+HK$6,523/mo
Deposit HK$14.74M · loan HK$22.12M · min. income ≈ HK$214,374/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,566,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,208
−HK$6,063/mo
▼ 0.25% · 3.875%
HK$115,218
−HK$3,053/mo
Today · 4.125%
HK$118,271
baseline
▲ 0.50% · 4.625%
HK$124,505
+HK$6,234/mo
Deposit HK$14.74M · loan HK$22.12M · min. income ≈ HK$236,542/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,566,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,673
−HK$7,379/mo
▼ 0.25% · 3.875%
HK$121,333
−HK$3,719/mo
Today · 4.125%
HK$125,052
baseline
▲ 0.50% · 4.625%
HK$132,661
+HK$7,609/mo
Deposit HK$11.06M · loan HK$25.80M · min. income ≈ HK$250,104/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,566,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,910
−HK$7,073/mo
▼ 0.25% · 3.875%
HK$134,421
−HK$3,562/mo
Today · 4.125%
HK$137,983
baseline
▲ 0.50% · 4.625%
HK$145,256
+HK$7,273/mo
Deposit HK$11.06M · loan HK$25.80M · min. income ≈ HK$275,966/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,566,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,294
−HK$9,487/mo
▼ 0.25% · 3.875%
HK$156,000
−HK$4,781/mo
Today · 4.125%
HK$160,781
baseline
▲ 0.50% · 4.625%
HK$170,564
+HK$9,783/mo
Deposit HK$3.69M · loan HK$33.17M · min. income ≈ HK$321,562/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,566,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,313
−HK$9,093/mo
▼ 0.25% · 3.875%
HK$172,827
−HK$4,579/mo
Today · 4.125%
HK$177,406
baseline
▲ 0.50% · 4.625%
HK$186,757
+HK$9,351/mo
Deposit HK$3.69M · loan HK$33.17M · min. income ≈ HK$354,812/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,566,584 · Scale 2, in force from 26 Feb 2026)