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$84,434
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$87,061
−HK$2,668/mo
Today · 4.125%
HK$89,729
baseline
▲ 0.50% · 4.625%
HK$95,189
+HK$5,460/mo
Deposit HK$18.51M · loan HK$18.51M · min. income ≈ HK$179,458/mo (50% DSR)
Upfront cash ≈ HK$20.09M (deposit + AVD stamp duty HK$1,573,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,932
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$96,452
−HK$2,555/mo
Today · 4.125%
HK$99,007
baseline
▲ 0.50% · 4.625%
HK$104,226
+HK$5,219/mo
Deposit HK$18.51M · loan HK$18.51M · min. income ≈ HK$198,014/mo (50% DSR)
Upfront cash ≈ HK$20.09M (deposit + AVD stamp duty HK$1,573,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,321
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$104,473
−HK$3,202/mo
Today · 4.125%
HK$107,675
baseline
▲ 0.50% · 4.625%
HK$114,227
+HK$6,552/mo
Deposit HK$14.81M · loan HK$22.22M · min. income ≈ HK$215,350/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,573,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,719
−HK$6,090/mo
▼ 0.25% · 3.875%
HK$115,742
−HK$3,067/mo
Today · 4.125%
HK$118,809
baseline
▲ 0.50% · 4.625%
HK$125,071
+HK$6,262/mo
Deposit HK$14.81M · loan HK$22.22M · min. income ≈ HK$237,618/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,573,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,208
−HK$7,413/mo
▼ 0.25% · 3.875%
HK$121,885
−HK$3,736/mo
Today · 4.125%
HK$125,621
baseline
▲ 0.50% · 4.625%
HK$133,264
+HK$7,643/mo
Deposit HK$11.11M · loan HK$25.92M · min. income ≈ HK$251,242/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,573,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,505
−HK$7,105/mo
▼ 0.25% · 3.875%
HK$135,032
−HK$3,578/mo
Today · 4.125%
HK$138,610
baseline
▲ 0.50% · 4.625%
HK$145,916
+HK$7,306/mo
Deposit HK$11.11M · loan HK$25.92M · min. income ≈ HK$277,220/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,573,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,982
−HK$9,530/mo
▼ 0.25% · 3.875%
HK$156,709
−HK$4,803/mo
Today · 4.125%
HK$161,512
baseline
▲ 0.50% · 4.625%
HK$171,340
+HK$9,828/mo
Deposit HK$3.70M · loan HK$33.33M · min. income ≈ HK$323,024/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,573,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,078
−HK$9,135/mo
▼ 0.25% · 3.875%
HK$173,613
−HK$4,600/mo
Today · 4.125%
HK$178,213
baseline
▲ 0.50% · 4.625%
HK$187,607
+HK$9,394/mo
Deposit HK$3.70M · loan HK$33.33M · min. income ≈ HK$356,426/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,573,708 · Scale 2, in force from 26 Feb 2026)