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$84,600
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,232
−HK$2,673/mo
Today · 4.125%
HK$89,905
baseline
▲ 0.50% · 4.625%
HK$95,376
+HK$5,471/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$179,810/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,576,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,117
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$96,641
−HK$2,561/mo
Today · 4.125%
HK$99,202
baseline
▲ 0.50% · 4.625%
HK$104,431
+HK$5,229/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$198,404/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,576,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,520
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$104,678
−HK$3,208/mo
Today · 4.125%
HK$107,886
baseline
▲ 0.50% · 4.625%
HK$114,451
+HK$6,565/mo
Deposit HK$14.84M · loan HK$22.26M · min. income ≈ HK$215,772/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,576,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,940
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$115,969
−HK$3,073/mo
Today · 4.125%
HK$119,042
baseline
▲ 0.50% · 4.625%
HK$125,317
+HK$6,275/mo
Deposit HK$14.84M · loan HK$22.26M · min. income ≈ HK$238,084/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,576,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,440
−HK$7,427/mo
▼ 0.25% · 3.875%
HK$122,124
−HK$3,743/mo
Today · 4.125%
HK$125,867
baseline
▲ 0.50% · 4.625%
HK$133,526
+HK$7,659/mo
Deposit HK$11.13M · loan HK$25.97M · min. income ≈ HK$251,734/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,576,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,763
−HK$7,119/mo
▼ 0.25% · 3.875%
HK$135,297
−HK$3,585/mo
Today · 4.125%
HK$138,882
baseline
▲ 0.50% · 4.625%
HK$146,203
+HK$7,321/mo
Deposit HK$11.13M · loan HK$25.97M · min. income ≈ HK$277,764/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,576,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,280
−HK$9,549/mo
▼ 0.25% · 3.875%
HK$157,017
−HK$4,812/mo
Today · 4.125%
HK$161,829
baseline
▲ 0.50% · 4.625%
HK$171,676
+HK$9,847/mo
Deposit HK$3.71M · loan HK$33.39M · min. income ≈ HK$323,658/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,576,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,410
−HK$9,153/mo
▼ 0.25% · 3.875%
HK$173,954
−HK$4,609/mo
Today · 4.125%
HK$178,563
baseline
▲ 0.50% · 4.625%
HK$187,975
+HK$9,412/mo
Deposit HK$3.71M · loan HK$33.39M · min. income ≈ HK$357,126/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,576,797 · Scale 2, in force from 26 Feb 2026)