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$84,306
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$86,929
−HK$2,664/mo
Today · 4.125%
HK$89,593
baseline
▲ 0.50% · 4.625%
HK$95,045
+HK$5,452/mo
Deposit HK$18.49M · loan HK$18.49M · min. income ≈ HK$179,186/mo (50% DSR)
Upfront cash ≈ HK$20.06M (deposit + AVD stamp duty HK$1,571,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,790
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,305
−HK$2,552/mo
Today · 4.125%
HK$98,857
baseline
▲ 0.50% · 4.625%
HK$104,068
+HK$5,211/mo
Deposit HK$18.49M · loan HK$18.49M · min. income ≈ HK$197,714/mo (50% DSR)
Upfront cash ≈ HK$20.06M (deposit + AVD stamp duty HK$1,571,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,167
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$104,314
−HK$3,198/mo
Today · 4.125%
HK$107,512
baseline
▲ 0.50% · 4.625%
HK$114,053
+HK$6,541/mo
Deposit HK$14.79M · loan HK$22.18M · min. income ≈ HK$215,024/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,571,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,548
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$115,566
−HK$3,062/mo
Today · 4.125%
HK$118,628
baseline
▲ 0.50% · 4.625%
HK$124,881
+HK$6,253/mo
Deposit HK$14.79M · loan HK$22.18M · min. income ≈ HK$237,256/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,571,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,029
−HK$7,401/mo
▼ 0.25% · 3.875%
HK$121,700
−HK$3,730/mo
Today · 4.125%
HK$125,430
baseline
▲ 0.50% · 4.625%
HK$133,062
+HK$7,632/mo
Deposit HK$11.09M · loan HK$25.88M · min. income ≈ HK$250,860/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,571,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,306
−HK$7,094/mo
▼ 0.25% · 3.875%
HK$134,827
−HK$3,573/mo
Today · 4.125%
HK$138,400
baseline
▲ 0.50% · 4.625%
HK$145,695
+HK$7,295/mo
Deposit HK$11.09M · loan HK$25.88M · min. income ≈ HK$276,800/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,571,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,751
−HK$9,516/mo
▼ 0.25% · 3.875%
HK$156,472
−HK$4,795/mo
Today · 4.125%
HK$161,267
baseline
▲ 0.50% · 4.625%
HK$171,080
+HK$9,813/mo
Deposit HK$3.70M · loan HK$33.28M · min. income ≈ HK$322,534/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,571,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,822
−HK$9,121/mo
▼ 0.25% · 3.875%
HK$173,349
−HK$4,594/mo
Today · 4.125%
HK$177,943
baseline
▲ 0.50% · 4.625%
HK$187,322
+HK$9,379/mo
Deposit HK$3.70M · loan HK$33.28M · min. income ≈ HK$355,886/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,571,322 · Scale 2, in force from 26 Feb 2026)