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$84,471
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$87,099
−HK$2,669/mo
Today · 4.125%
HK$89,768
baseline
▲ 0.50% · 4.625%
HK$95,230
+HK$5,462/mo
Deposit HK$18.52M · loan HK$18.52M · min. income ≈ HK$179,536/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,574,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,973
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,494
−HK$2,556/mo
Today · 4.125%
HK$99,050
baseline
▲ 0.50% · 4.625%
HK$104,271
+HK$5,221/mo
Deposit HK$18.52M · loan HK$18.52M · min. income ≈ HK$198,100/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,574,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,365
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$104,518
−HK$3,204/mo
Today · 4.125%
HK$107,722
baseline
▲ 0.50% · 4.625%
HK$114,276
+HK$6,554/mo
Deposit HK$14.82M · loan HK$22.23M · min. income ≈ HK$215,444/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,574,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,768
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$115,792
−HK$3,068/mo
Today · 4.125%
HK$118,860
baseline
▲ 0.50% · 4.625%
HK$125,126
+HK$6,266/mo
Deposit HK$14.82M · loan HK$22.23M · min. income ≈ HK$237,720/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,574,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,260
−HK$7,415/mo
▼ 0.25% · 3.875%
HK$121,938
−HK$3,737/mo
Today · 4.125%
HK$125,675
baseline
▲ 0.50% · 4.625%
HK$133,323
+HK$7,648/mo
Deposit HK$11.11M · loan HK$25.93M · min. income ≈ HK$251,350/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,574,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,563
−HK$7,107/mo
▼ 0.25% · 3.875%
HK$135,091
−HK$3,579/mo
Today · 4.125%
HK$138,670
baseline
▲ 0.50% · 4.625%
HK$145,980
+HK$7,310/mo
Deposit HK$11.11M · loan HK$25.93M · min. income ≈ HK$277,340/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,574,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,048
−HK$9,535/mo
▼ 0.25% · 3.875%
HK$156,778
−HK$4,805/mo
Today · 4.125%
HK$161,583
baseline
▲ 0.50% · 4.625%
HK$171,415
+HK$9,832/mo
Deposit HK$3.70M · loan HK$33.34M · min. income ≈ HK$323,166/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,574,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,152
−HK$9,139/mo
▼ 0.25% · 3.875%
HK$173,688
−HK$4,603/mo
Today · 4.125%
HK$178,291
baseline
▲ 0.50% · 4.625%
HK$187,689
+HK$9,398/mo
Deposit HK$3.70M · loan HK$33.34M · min. income ≈ HK$356,582/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,574,394 · Scale 2, in force from 26 Feb 2026)