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$84,004
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,617
−HK$2,655/mo
Today · 4.125%
HK$89,272
baseline
▲ 0.50% · 4.625%
HK$94,704
+HK$5,432/mo
Deposit HK$18.42M · loan HK$18.42M · min. income ≈ HK$178,544/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,565,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,454
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,960
−HK$2,543/mo
Today · 4.125%
HK$98,503
baseline
▲ 0.50% · 4.625%
HK$103,695
+HK$5,192/mo
Deposit HK$18.42M · loan HK$18.42M · min. income ≈ HK$197,006/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,565,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,805
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$103,940
−HK$3,186/mo
Today · 4.125%
HK$107,126
baseline
▲ 0.50% · 4.625%
HK$113,645
+HK$6,519/mo
Deposit HK$14.74M · loan HK$22.10M · min. income ≈ HK$214,252/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,565,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,144
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$115,152
−HK$3,051/mo
Today · 4.125%
HK$118,203
baseline
▲ 0.50% · 4.625%
HK$124,434
+HK$6,231/mo
Deposit HK$14.74M · loan HK$22.10M · min. income ≈ HK$236,406/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,565,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,606
−HK$7,375/mo
▼ 0.25% · 3.875%
HK$121,264
−HK$3,717/mo
Today · 4.125%
HK$124,981
baseline
▲ 0.50% · 4.625%
HK$132,585
+HK$7,604/mo
Deposit HK$11.05M · loan HK$25.79M · min. income ≈ HK$249,962/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,565,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,835
−HK$7,069/mo
▼ 0.25% · 3.875%
HK$134,344
−HK$3,560/mo
Today · 4.125%
HK$137,904
baseline
▲ 0.50% · 4.625%
HK$145,173
+HK$7,269/mo
Deposit HK$11.05M · loan HK$25.79M · min. income ≈ HK$275,808/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,565,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,207
−HK$9,482/mo
▼ 0.25% · 3.875%
HK$155,911
−HK$4,778/mo
Today · 4.125%
HK$160,689
baseline
▲ 0.50% · 4.625%
HK$170,467
+HK$9,778/mo
Deposit HK$3.68M · loan HK$33.16M · min. income ≈ HK$321,378/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,565,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,217
−HK$9,088/mo
▼ 0.25% · 3.875%
HK$172,728
−HK$4,577/mo
Today · 4.125%
HK$177,305
baseline
▲ 0.50% · 4.625%
HK$186,651
+HK$9,346/mo
Deposit HK$3.68M · loan HK$33.16M · min. income ≈ HK$354,610/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,565,690 · Scale 2, in force from 26 Feb 2026)