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$83,945
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$86,556
−HK$2,653/mo
Today · 4.125%
HK$89,209
baseline
▲ 0.50% · 4.625%
HK$94,637
+HK$5,428/mo
Deposit HK$18.41M · loan HK$18.41M · min. income ≈ HK$178,418/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$1,564,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,388
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$95,892
−HK$2,541/mo
Today · 4.125%
HK$98,433
baseline
▲ 0.50% · 4.625%
HK$103,622
+HK$5,189/mo
Deposit HK$18.41M · loan HK$18.41M · min. income ≈ HK$196,866/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$1,564,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,734
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$103,867
−HK$3,184/mo
Today · 4.125%
HK$107,051
baseline
▲ 0.50% · 4.625%
HK$113,564
+HK$6,513/mo
Deposit HK$14.73M · loan HK$22.09M · min. income ≈ HK$214,102/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,564,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,065
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$115,071
−HK$3,049/mo
Today · 4.125%
HK$118,120
baseline
▲ 0.50% · 4.625%
HK$124,346
+HK$6,226/mo
Deposit HK$14.73M · loan HK$22.09M · min. income ≈ HK$236,240/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,564,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,523
−HK$7,369/mo
▼ 0.25% · 3.875%
HK$121,178
−HK$3,714/mo
Today · 4.125%
HK$124,892
baseline
▲ 0.50% · 4.625%
HK$132,492
+HK$7,600/mo
Deposit HK$11.04M · loan HK$25.77M · min. income ≈ HK$249,784/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,564,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,743
−HK$7,063/mo
▼ 0.25% · 3.875%
HK$134,249
−HK$3,557/mo
Today · 4.125%
HK$137,806
baseline
▲ 0.50% · 4.625%
HK$145,070
+HK$7,264/mo
Deposit HK$11.04M · loan HK$25.77M · min. income ≈ HK$275,612/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,564,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,101
−HK$9,475/mo
▼ 0.25% · 3.875%
HK$155,801
−HK$4,775/mo
Today · 4.125%
HK$160,576
baseline
▲ 0.50% · 4.625%
HK$170,347
+HK$9,771/mo
Deposit HK$3.68M · loan HK$33.13M · min. income ≈ HK$321,152/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,564,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,098
−HK$9,082/mo
▼ 0.25% · 3.875%
HK$172,606
−HK$4,574/mo
Today · 4.125%
HK$177,180
baseline
▲ 0.50% · 4.625%
HK$186,519
+HK$9,339/mo
Deposit HK$3.68M · loan HK$33.13M · min. income ≈ HK$354,360/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,564,585 · Scale 2, in force from 26 Feb 2026)