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$84,185
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$86,804
−HK$2,661/mo
Today · 4.125%
HK$89,465
baseline
▲ 0.50% · 4.625%
HK$94,908
+HK$5,443/mo
Deposit HK$18.46M · loan HK$18.46M · min. income ≈ HK$178,930/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$1,569,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,655
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$96,167
−HK$2,548/mo
Today · 4.125%
HK$98,715
baseline
▲ 0.50% · 4.625%
HK$103,919
+HK$5,204/mo
Deposit HK$18.46M · loan HK$18.46M · min. income ≈ HK$197,430/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$1,569,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,023
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$104,165
−HK$3,193/mo
Today · 4.125%
HK$107,358
baseline
▲ 0.50% · 4.625%
HK$113,890
+HK$6,532/mo
Deposit HK$14.77M · loan HK$22.15M · min. income ≈ HK$214,716/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,569,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,387
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$115,401
−HK$3,057/mo
Today · 4.125%
HK$118,458
baseline
▲ 0.50% · 4.625%
HK$124,703
+HK$6,245/mo
Deposit HK$14.77M · loan HK$22.15M · min. income ≈ HK$236,916/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,569,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,860
−HK$7,390/mo
▼ 0.25% · 3.875%
HK$121,526
−HK$3,724/mo
Today · 4.125%
HK$125,250
baseline
▲ 0.50% · 4.625%
HK$132,872
+HK$7,622/mo
Deposit HK$11.08M · loan HK$25.84M · min. income ≈ HK$250,500/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,569,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,118
−HK$7,084/mo
▼ 0.25% · 3.875%
HK$134,634
−HK$3,568/mo
Today · 4.125%
HK$138,202
baseline
▲ 0.50% · 4.625%
HK$145,486
+HK$7,284/mo
Deposit HK$11.08M · loan HK$25.84M · min. income ≈ HK$276,404/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,569,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,534
−HK$9,502/mo
▼ 0.25% · 3.875%
HK$156,247
−HK$4,789/mo
Today · 4.125%
HK$161,036
baseline
▲ 0.50% · 4.625%
HK$170,835
+HK$9,799/mo
Deposit HK$3.69M · loan HK$33.23M · min. income ≈ HK$322,072/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,569,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,580
−HK$9,108/mo
▼ 0.25% · 3.875%
HK$173,101
−HK$4,587/mo
Today · 4.125%
HK$177,688
baseline
▲ 0.50% · 4.625%
HK$187,054
+HK$9,366/mo
Deposit HK$3.69M · loan HK$33.23M · min. income ≈ HK$355,376/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,569,071 · Scale 2, in force from 26 Feb 2026)