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$84,048
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,662
−HK$2,656/mo
Today · 4.125%
HK$89,318
baseline
▲ 0.50% · 4.625%
HK$94,753
+HK$5,435/mo
Deposit HK$18.43M · loan HK$18.43M · min. income ≈ HK$178,636/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$1,566,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,502
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,010
−HK$2,544/mo
Today · 4.125%
HK$98,554
baseline
▲ 0.50% · 4.625%
HK$103,749
+HK$5,195/mo
Deposit HK$18.43M · loan HK$18.43M · min. income ≈ HK$197,108/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$1,566,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,857
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$103,994
−HK$3,188/mo
Today · 4.125%
HK$107,182
baseline
▲ 0.50% · 4.625%
HK$113,704
+HK$6,522/mo
Deposit HK$14.74M · loan HK$22.12M · min. income ≈ HK$214,364/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,566,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,203
−HK$6,062/mo
▼ 0.25% · 3.875%
HK$115,212
−HK$3,053/mo
Today · 4.125%
HK$118,265
baseline
▲ 0.50% · 4.625%
HK$124,498
+HK$6,233/mo
Deposit HK$14.74M · loan HK$22.12M · min. income ≈ HK$236,530/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,566,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,667
−HK$7,378/mo
▼ 0.25% · 3.875%
HK$121,327
−HK$3,718/mo
Today · 4.125%
HK$125,045
baseline
▲ 0.50% · 4.625%
HK$132,654
+HK$7,609/mo
Deposit HK$11.06M · loan HK$25.80M · min. income ≈ HK$250,090/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,566,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,903
−HK$7,072/mo
▼ 0.25% · 3.875%
HK$134,414
−HK$3,561/mo
Today · 4.125%
HK$137,975
baseline
▲ 0.50% · 4.625%
HK$145,248
+HK$7,273/mo
Deposit HK$11.06M · loan HK$25.80M · min. income ≈ HK$275,950/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,566,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,286
−HK$9,487/mo
▼ 0.25% · 3.875%
HK$155,992
−HK$4,781/mo
Today · 4.125%
HK$160,773
baseline
▲ 0.50% · 4.625%
HK$170,555
+HK$9,782/mo
Deposit HK$3.69M · loan HK$33.17M · min. income ≈ HK$321,546/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,566,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,304
−HK$9,093/mo
▼ 0.25% · 3.875%
HK$172,818
−HK$4,579/mo
Today · 4.125%
HK$177,397
baseline
▲ 0.50% · 4.625%
HK$186,748
+HK$9,351/mo
Deposit HK$3.69M · loan HK$33.17M · min. income ≈ HK$354,794/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,566,502 · Scale 2, in force from 26 Feb 2026)