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$84,631
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$87,264
−HK$2,675/mo
Today · 4.125%
HK$89,939
baseline
▲ 0.50% · 4.625%
HK$95,411
+HK$5,472/mo
Deposit HK$18.56M · loan HK$18.56M · min. income ≈ HK$179,878/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,577,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,152
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,677
−HK$2,561/mo
Today · 4.125%
HK$99,238
baseline
▲ 0.50% · 4.625%
HK$104,469
+HK$5,231/mo
Deposit HK$18.56M · loan HK$18.56M · min. income ≈ HK$198,476/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,577,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,558
−HK$6,368/mo
▼ 0.25% · 3.875%
HK$104,717
−HK$3,209/mo
Today · 4.125%
HK$107,926
baseline
▲ 0.50% · 4.625%
HK$114,493
+HK$6,567/mo
Deposit HK$14.85M · loan HK$22.27M · min. income ≈ HK$215,852/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,577,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,982
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$116,012
−HK$3,074/mo
Today · 4.125%
HK$119,086
baseline
▲ 0.50% · 4.625%
HK$125,363
+HK$6,277/mo
Deposit HK$14.85M · loan HK$22.27M · min. income ≈ HK$238,172/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,577,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,484
−HK$7,430/mo
▼ 0.25% · 3.875%
HK$122,170
−HK$3,744/mo
Today · 4.125%
HK$125,914
baseline
▲ 0.50% · 4.625%
HK$133,576
+HK$7,662/mo
Deposit HK$11.13M · loan HK$25.98M · min. income ≈ HK$251,828/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,577,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,812
−HK$7,122/mo
▼ 0.25% · 3.875%
HK$135,347
−HK$3,587/mo
Today · 4.125%
HK$138,934
baseline
▲ 0.50% · 4.625%
HK$146,257
+HK$7,323/mo
Deposit HK$11.13M · loan HK$25.98M · min. income ≈ HK$277,868/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,577,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,337
−HK$9,552/mo
▼ 0.25% · 3.875%
HK$157,075
−HK$4,814/mo
Today · 4.125%
HK$161,889
baseline
▲ 0.50% · 4.625%
HK$171,740
+HK$9,851/mo
Deposit HK$3.71M · loan HK$33.40M · min. income ≈ HK$323,778/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,577,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,473
−HK$9,156/mo
▼ 0.25% · 3.875%
HK$174,018
−HK$4,611/mo
Today · 4.125%
HK$178,629
baseline
▲ 0.50% · 4.625%
HK$188,045
+HK$9,416/mo
Deposit HK$3.71M · loan HK$33.40M · min. income ≈ HK$357,258/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,577,382 · Scale 2, in force from 26 Feb 2026)