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$84,532
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$87,161
−HK$2,671/mo
Today · 4.125%
HK$89,832
baseline
▲ 0.50% · 4.625%
HK$95,299
+HK$5,467/mo
Deposit HK$18.54M · loan HK$18.54M · min. income ≈ HK$179,664/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,575,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,041
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$96,563
−HK$2,558/mo
Today · 4.125%
HK$99,121
baseline
▲ 0.50% · 4.625%
HK$104,346
+HK$5,225/mo
Deposit HK$18.54M · loan HK$18.54M · min. income ≈ HK$198,242/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,575,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,438
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$104,593
−HK$3,206/mo
Today · 4.125%
HK$107,799
baseline
▲ 0.50% · 4.625%
HK$114,358
+HK$6,559/mo
Deposit HK$14.83M · loan HK$22.24M · min. income ≈ HK$215,598/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,575,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,849
−HK$6,097/mo
▼ 0.25% · 3.875%
HK$115,875
−HK$3,071/mo
Today · 4.125%
HK$118,946
baseline
▲ 0.50% · 4.625%
HK$125,215
+HK$6,269/mo
Deposit HK$14.83M · loan HK$22.24M · min. income ≈ HK$237,892/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,575,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,344
−HK$7,421/mo
▼ 0.25% · 3.875%
HK$122,025
−HK$3,740/mo
Today · 4.125%
HK$125,765
baseline
▲ 0.50% · 4.625%
HK$133,418
+HK$7,653/mo
Deposit HK$11.12M · loan HK$25.95M · min. income ≈ HK$251,530/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,575,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,657
−HK$7,113/mo
▼ 0.25% · 3.875%
HK$135,188
−HK$3,582/mo
Today · 4.125%
HK$138,770
baseline
▲ 0.50% · 4.625%
HK$146,085
+HK$7,315/mo
Deposit HK$11.12M · loan HK$25.95M · min. income ≈ HK$277,540/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,575,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,157
−HK$9,541/mo
▼ 0.25% · 3.875%
HK$156,890
−HK$4,808/mo
Today · 4.125%
HK$161,698
baseline
▲ 0.50% · 4.625%
HK$171,537
+HK$9,839/mo
Deposit HK$3.71M · loan HK$33.36M · min. income ≈ HK$323,396/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,273
−HK$9,145/mo
▼ 0.25% · 3.875%
HK$173,813
−HK$4,605/mo
Today · 4.125%
HK$178,418
baseline
▲ 0.50% · 4.625%
HK$187,823
+HK$9,405/mo
Deposit HK$3.71M · loan HK$33.36M · min. income ≈ HK$356,836/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,522 · Scale 2, in force from 26 Feb 2026)