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$84,661
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$87,294
−HK$2,676/mo
Today · 4.125%
HK$89,970
baseline
▲ 0.50% · 4.625%
HK$95,444
+HK$5,474/mo
Deposit HK$18.56M · loan HK$18.56M · min. income ≈ HK$179,940/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,577,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,184
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$96,710
−HK$2,563/mo
Today · 4.125%
HK$99,273
baseline
▲ 0.50% · 4.625%
HK$104,505
+HK$5,232/mo
Deposit HK$18.56M · loan HK$18.56M · min. income ≈ HK$198,546/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,577,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,593
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$104,753
−HK$3,211/mo
Today · 4.125%
HK$107,964
baseline
▲ 0.50% · 4.625%
HK$114,533
+HK$6,569/mo
Deposit HK$14.85M · loan HK$22.28M · min. income ≈ HK$215,928/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,577,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,021
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$116,052
−HK$3,075/mo
Today · 4.125%
HK$119,127
baseline
▲ 0.50% · 4.625%
HK$125,407
+HK$6,280/mo
Deposit HK$14.85M · loan HK$22.28M · min. income ≈ HK$238,254/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,577,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,525
−HK$7,433/mo
▼ 0.25% · 3.875%
HK$122,212
−HK$3,746/mo
Today · 4.125%
HK$125,958
baseline
▲ 0.50% · 4.625%
HK$133,622
+HK$7,664/mo
Deposit HK$11.14M · loan HK$25.99M · min. income ≈ HK$251,916/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,577,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,858
−HK$7,124/mo
▼ 0.25% · 3.875%
HK$135,394
−HK$3,588/mo
Today · 4.125%
HK$138,982
baseline
▲ 0.50% · 4.625%
HK$146,308
+HK$7,326/mo
Deposit HK$11.14M · loan HK$25.99M · min. income ≈ HK$277,964/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,577,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,389
−HK$9,556/mo
▼ 0.25% · 3.875%
HK$157,129
−HK$4,816/mo
Today · 4.125%
HK$161,945
baseline
▲ 0.50% · 4.625%
HK$171,799
+HK$9,854/mo
Deposit HK$3.71M · loan HK$33.41M · min. income ≈ HK$323,890/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,577,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,532
−HK$9,159/mo
▼ 0.25% · 3.875%
HK$174,078
−HK$4,613/mo
Today · 4.125%
HK$178,691
baseline
▲ 0.50% · 4.625%
HK$188,110
+HK$9,419/mo
Deposit HK$3.71M · loan HK$33.41M · min. income ≈ HK$357,382/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,577,929 · Scale 2, in force from 26 Feb 2026)