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$84,225
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$86,845
−HK$2,662/mo
Today · 4.125%
HK$89,507
baseline
▲ 0.50% · 4.625%
HK$94,953
+HK$5,446/mo
Deposit HK$18.47M · loan HK$18.47M · min. income ≈ HK$179,014/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,569,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,699
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$96,212
−HK$2,550/mo
Today · 4.125%
HK$98,762
baseline
▲ 0.50% · 4.625%
HK$103,968
+HK$5,206/mo
Deposit HK$18.47M · loan HK$18.47M · min. income ≈ HK$197,524/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,569,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,070
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$104,214
−HK$3,194/mo
Today · 4.125%
HK$107,408
baseline
▲ 0.50% · 4.625%
HK$113,943
+HK$6,535/mo
Deposit HK$14.77M · loan HK$22.16M · min. income ≈ HK$214,816/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,569,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,439
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$115,455
−HK$3,059/mo
Today · 4.125%
HK$118,514
baseline
▲ 0.50% · 4.625%
HK$124,761
+HK$6,247/mo
Deposit HK$14.77M · loan HK$22.16M · min. income ≈ HK$237,028/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,569,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,915
−HK$7,394/mo
▼ 0.25% · 3.875%
HK$121,583
−HK$3,726/mo
Today · 4.125%
HK$125,309
baseline
▲ 0.50% · 4.625%
HK$132,934
+HK$7,625/mo
Deposit HK$11.08M · loan HK$25.86M · min. income ≈ HK$250,618/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,569,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,179
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$134,697
−HK$3,569/mo
Today · 4.125%
HK$138,266
baseline
▲ 0.50% · 4.625%
HK$145,555
+HK$7,289/mo
Deposit HK$11.08M · loan HK$25.86M · min. income ≈ HK$276,532/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,569,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,605
−HK$9,507/mo
▼ 0.25% · 3.875%
HK$156,321
−HK$4,791/mo
Today · 4.125%
HK$161,112
baseline
▲ 0.50% · 4.625%
HK$170,915
+HK$9,803/mo
Deposit HK$3.69M · loan HK$33.24M · min. income ≈ HK$322,224/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,569,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,659
−HK$9,112/mo
▼ 0.25% · 3.875%
HK$173,182
−HK$4,589/mo
Today · 4.125%
HK$177,771
baseline
▲ 0.50% · 4.625%
HK$187,142
+HK$9,371/mo
Deposit HK$3.69M · loan HK$33.24M · min. income ≈ HK$355,542/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,569,807 · Scale 2, in force from 26 Feb 2026)