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$84,660
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$87,294
−HK$2,675/mo
Today · 4.125%
HK$89,969
baseline
▲ 0.50% · 4.625%
HK$95,444
+HK$5,475/mo
Deposit HK$18.56M · loan HK$18.56M · min. income ≈ HK$179,938/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,577,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,184
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$96,710
−HK$2,562/mo
Today · 4.125%
HK$99,272
baseline
▲ 0.50% · 4.625%
HK$104,505
+HK$5,233/mo
Deposit HK$18.56M · loan HK$18.56M · min. income ≈ HK$198,544/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,577,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,592
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$104,752
−HK$3,211/mo
Today · 4.125%
HK$107,963
baseline
▲ 0.50% · 4.625%
HK$114,532
+HK$6,569/mo
Deposit HK$14.85M · loan HK$22.28M · min. income ≈ HK$215,926/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,577,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,020
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$116,051
−HK$3,075/mo
Today · 4.125%
HK$119,126
baseline
▲ 0.50% · 4.625%
HK$125,406
+HK$6,280/mo
Deposit HK$14.85M · loan HK$22.28M · min. income ≈ HK$238,252/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,577,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,524
−HK$7,433/mo
▼ 0.25% · 3.875%
HK$122,211
−HK$3,746/mo
Today · 4.125%
HK$125,957
baseline
▲ 0.50% · 4.625%
HK$133,621
+HK$7,664/mo
Deposit HK$11.14M · loan HK$25.99M · min. income ≈ HK$251,914/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,577,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,857
−HK$7,124/mo
▼ 0.25% · 3.875%
HK$135,393
−HK$3,588/mo
Today · 4.125%
HK$138,981
baseline
▲ 0.50% · 4.625%
HK$146,307
+HK$7,326/mo
Deposit HK$11.14M · loan HK$25.99M · min. income ≈ HK$277,962/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,577,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,388
−HK$9,556/mo
▼ 0.25% · 3.875%
HK$157,128
−HK$4,816/mo
Today · 4.125%
HK$161,944
baseline
▲ 0.50% · 4.625%
HK$171,798
+HK$9,854/mo
Deposit HK$3.71M · loan HK$33.41M · min. income ≈ HK$323,888/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,577,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,531
−HK$9,159/mo
▼ 0.25% · 3.875%
HK$174,077
−HK$4,613/mo
Today · 4.125%
HK$178,690
baseline
▲ 0.50% · 4.625%
HK$188,109
+HK$9,419/mo
Deposit HK$3.71M · loan HK$33.41M · min. income ≈ HK$357,380/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,577,919 · Scale 2, in force from 26 Feb 2026)