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$83,892
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$86,501
−HK$2,651/mo
Today · 4.125%
HK$89,152
baseline
▲ 0.50% · 4.625%
HK$94,577
+HK$5,425/mo
Deposit HK$18.40M · loan HK$18.40M · min. income ≈ HK$178,304/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,563,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,329
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$95,832
−HK$2,539/mo
Today · 4.125%
HK$98,371
baseline
▲ 0.50% · 4.625%
HK$103,556
+HK$5,185/mo
Deposit HK$18.40M · loan HK$18.40M · min. income ≈ HK$196,742/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,563,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,670
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$103,801
−HK$3,182/mo
Today · 4.125%
HK$106,983
baseline
▲ 0.50% · 4.625%
HK$113,493
+HK$6,510/mo
Deposit HK$14.72M · loan HK$22.07M · min. income ≈ HK$213,966/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,994
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$114,998
−HK$3,047/mo
Today · 4.125%
HK$118,045
baseline
▲ 0.50% · 4.625%
HK$124,267
+HK$6,222/mo
Deposit HK$14.72M · loan HK$22.07M · min. income ≈ HK$236,090/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,448
−HK$7,365/mo
▼ 0.25% · 3.875%
HK$121,102
−HK$3,711/mo
Today · 4.125%
HK$124,813
baseline
▲ 0.50% · 4.625%
HK$132,408
+HK$7,595/mo
Deposit HK$11.04M · loan HK$25.75M · min. income ≈ HK$249,626/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,660
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$134,164
−HK$3,555/mo
Today · 4.125%
HK$137,719
baseline
▲ 0.50% · 4.625%
HK$144,979
+HK$7,260/mo
Deposit HK$11.04M · loan HK$25.75M · min. income ≈ HK$275,438/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,005
−HK$9,469/mo
▼ 0.25% · 3.875%
HK$155,702
−HK$4,772/mo
Today · 4.125%
HK$160,474
baseline
▲ 0.50% · 4.625%
HK$170,239
+HK$9,765/mo
Deposit HK$3.68M · loan HK$33.11M · min. income ≈ HK$320,948/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,992
−HK$9,076/mo
▼ 0.25% · 3.875%
HK$172,497
−HK$4,571/mo
Today · 4.125%
HK$177,068
baseline
▲ 0.50% · 4.625%
HK$186,401
+HK$9,333/mo
Deposit HK$3.68M · loan HK$33.11M · min. income ≈ HK$354,136/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,596 · Scale 2, in force from 26 Feb 2026)