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$84,479
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$87,107
−HK$2,669/mo
Today · 4.125%
HK$89,776
baseline
▲ 0.50% · 4.625%
HK$95,239
+HK$5,463/mo
Deposit HK$18.52M · loan HK$18.52M · min. income ≈ HK$179,552/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,574,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,982
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,502
−HK$2,557/mo
Today · 4.125%
HK$99,059
baseline
▲ 0.50% · 4.625%
HK$104,281
+HK$5,222/mo
Deposit HK$18.52M · loan HK$18.52M · min. income ≈ HK$198,118/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,574,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,374
−HK$6,358/mo
▼ 0.25% · 3.875%
HK$104,528
−HK$3,204/mo
Today · 4.125%
HK$107,732
baseline
▲ 0.50% · 4.625%
HK$114,287
+HK$6,555/mo
Deposit HK$14.82M · loan HK$22.23M · min. income ≈ HK$215,464/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,574,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,778
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$115,803
−HK$3,068/mo
Today · 4.125%
HK$118,871
baseline
▲ 0.50% · 4.625%
HK$125,137
+HK$6,266/mo
Deposit HK$14.82M · loan HK$22.23M · min. income ≈ HK$237,742/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,574,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,270
−HK$7,417/mo
▼ 0.25% · 3.875%
HK$121,949
−HK$3,738/mo
Today · 4.125%
HK$125,687
baseline
▲ 0.50% · 4.625%
HK$133,335
+HK$7,648/mo
Deposit HK$11.11M · loan HK$25.93M · min. income ≈ HK$251,374/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,574,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,574
−HK$7,109/mo
▼ 0.25% · 3.875%
HK$135,103
−HK$3,580/mo
Today · 4.125%
HK$138,683
baseline
▲ 0.50% · 4.625%
HK$145,993
+HK$7,310/mo
Deposit HK$11.11M · loan HK$25.93M · min. income ≈ HK$277,366/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,574,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,062
−HK$9,535/mo
▼ 0.25% · 3.875%
HK$156,792
−HK$4,805/mo
Today · 4.125%
HK$161,597
baseline
▲ 0.50% · 4.625%
HK$171,430
+HK$9,833/mo
Deposit HK$3.70M · loan HK$33.34M · min. income ≈ HK$323,194/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,574,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,167
−HK$9,140/mo
▼ 0.25% · 3.875%
HK$173,704
−HK$4,603/mo
Today · 4.125%
HK$178,307
baseline
▲ 0.50% · 4.625%
HK$187,706
+HK$9,399/mo
Deposit HK$3.70M · loan HK$33.34M · min. income ≈ HK$356,614/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,574,537 · Scale 2, in force from 26 Feb 2026)