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$84,005
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,618
−HK$2,655/mo
Today · 4.125%
HK$89,273
baseline
▲ 0.50% · 4.625%
HK$94,705
+HK$5,432/mo
Deposit HK$18.42M · loan HK$18.42M · min. income ≈ HK$178,546/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,565,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,455
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,962
−HK$2,542/mo
Today · 4.125%
HK$98,504
baseline
▲ 0.50% · 4.625%
HK$103,697
+HK$5,193/mo
Deposit HK$18.42M · loan HK$18.42M · min. income ≈ HK$197,008/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,565,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,806
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$103,942
−HK$3,186/mo
Today · 4.125%
HK$107,128
baseline
▲ 0.50% · 4.625%
HK$113,646
+HK$6,518/mo
Deposit HK$14.74M · loan HK$22.10M · min. income ≈ HK$214,256/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,565,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,146
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$115,154
−HK$3,051/mo
Today · 4.125%
HK$118,205
baseline
▲ 0.50% · 4.625%
HK$124,436
+HK$6,231/mo
Deposit HK$14.74M · loan HK$22.10M · min. income ≈ HK$236,410/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,565,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,608
−HK$7,375/mo
▼ 0.25% · 3.875%
HK$121,266
−HK$3,717/mo
Today · 4.125%
HK$124,983
baseline
▲ 0.50% · 4.625%
HK$132,587
+HK$7,604/mo
Deposit HK$11.05M · loan HK$25.79M · min. income ≈ HK$249,966/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,565,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,837
−HK$7,069/mo
▼ 0.25% · 3.875%
HK$134,346
−HK$3,560/mo
Today · 4.125%
HK$137,906
baseline
▲ 0.50% · 4.625%
HK$145,175
+HK$7,269/mo
Deposit HK$11.05M · loan HK$25.79M · min. income ≈ HK$275,812/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,565,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,210
−HK$9,482/mo
▼ 0.25% · 3.875%
HK$155,913
−HK$4,779/mo
Today · 4.125%
HK$160,692
baseline
▲ 0.50% · 4.625%
HK$170,470
+HK$9,778/mo
Deposit HK$3.68M · loan HK$33.16M · min. income ≈ HK$321,384/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,565,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,219
−HK$9,089/mo
▼ 0.25% · 3.875%
HK$172,731
−HK$4,577/mo
Today · 4.125%
HK$177,308
baseline
▲ 0.50% · 4.625%
HK$186,654
+HK$9,346/mo
Deposit HK$3.68M · loan HK$33.16M · min. income ≈ HK$354,616/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,565,715 · Scale 2, in force from 26 Feb 2026)