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$84,607
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,239
−HK$2,674/mo
Today · 4.125%
HK$89,913
baseline
▲ 0.50% · 4.625%
HK$95,384
+HK$5,471/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$179,826/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,576,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,125
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$96,649
−HK$2,561/mo
Today · 4.125%
HK$99,210
baseline
▲ 0.50% · 4.625%
HK$104,439
+HK$5,229/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$198,420/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,576,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,529
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$104,687
−HK$3,208/mo
Today · 4.125%
HK$107,895
baseline
▲ 0.50% · 4.625%
HK$114,460
+HK$6,565/mo
Deposit HK$14.84M · loan HK$22.26M · min. income ≈ HK$215,790/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,576,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,950
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$115,979
−HK$3,073/mo
Today · 4.125%
HK$119,052
baseline
▲ 0.50% · 4.625%
HK$125,327
+HK$6,275/mo
Deposit HK$14.84M · loan HK$22.26M · min. income ≈ HK$238,104/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,576,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,450
−HK$7,428/mo
▼ 0.25% · 3.875%
HK$122,134
−HK$3,744/mo
Today · 4.125%
HK$125,878
baseline
▲ 0.50% · 4.625%
HK$133,537
+HK$7,659/mo
Deposit HK$11.13M · loan HK$25.97M · min. income ≈ HK$251,756/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,576,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,774
−HK$7,120/mo
▼ 0.25% · 3.875%
HK$135,309
−HK$3,585/mo
Today · 4.125%
HK$138,894
baseline
▲ 0.50% · 4.625%
HK$146,215
+HK$7,321/mo
Deposit HK$11.13M · loan HK$25.97M · min. income ≈ HK$277,788/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,576,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,293
−HK$9,550/mo
▼ 0.25% · 3.875%
HK$157,030
−HK$4,813/mo
Today · 4.125%
HK$161,843
baseline
▲ 0.50% · 4.625%
HK$171,691
+HK$9,848/mo
Deposit HK$3.71M · loan HK$33.39M · min. income ≈ HK$323,686/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,576,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,424
−HK$9,154/mo
▼ 0.25% · 3.875%
HK$173,968
−HK$4,610/mo
Today · 4.125%
HK$178,578
baseline
▲ 0.50% · 4.625%
HK$187,991
+HK$9,413/mo
Deposit HK$3.71M · loan HK$33.39M · min. income ≈ HK$357,156/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,576,930 · Scale 2, in force from 26 Feb 2026)