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$83,940
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$86,551
−HK$2,653/mo
Today · 4.125%
HK$89,204
baseline
▲ 0.50% · 4.625%
HK$94,632
+HK$5,428/mo
Deposit HK$18.41M · loan HK$18.41M · min. income ≈ HK$178,408/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$1,564,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,383
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$95,887
−HK$2,541/mo
Today · 4.125%
HK$98,428
baseline
▲ 0.50% · 4.625%
HK$103,616
+HK$5,188/mo
Deposit HK$18.41M · loan HK$18.41M · min. income ≈ HK$196,856/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$1,564,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,728
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$103,862
−HK$3,183/mo
Today · 4.125%
HK$107,045
baseline
▲ 0.50% · 4.625%
HK$113,558
+HK$6,513/mo
Deposit HK$14.72M · loan HK$22.09M · min. income ≈ HK$214,090/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,564,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,059
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$115,065
−HK$3,049/mo
Today · 4.125%
HK$118,114
baseline
▲ 0.50% · 4.625%
HK$124,339
+HK$6,225/mo
Deposit HK$14.72M · loan HK$22.09M · min. income ≈ HK$236,228/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,564,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,516
−HK$7,370/mo
▼ 0.25% · 3.875%
HK$121,172
−HK$3,714/mo
Today · 4.125%
HK$124,886
baseline
▲ 0.50% · 4.625%
HK$132,485
+HK$7,599/mo
Deposit HK$11.04M · loan HK$25.77M · min. income ≈ HK$249,772/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,564,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,736
−HK$7,063/mo
▼ 0.25% · 3.875%
HK$134,242
−HK$3,557/mo
Today · 4.125%
HK$137,799
baseline
▲ 0.50% · 4.625%
HK$145,063
+HK$7,264/mo
Deposit HK$11.04M · loan HK$25.77M · min. income ≈ HK$275,598/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,564,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,093
−HK$9,474/mo
▼ 0.25% · 3.875%
HK$155,792
−HK$4,775/mo
Today · 4.125%
HK$160,567
baseline
▲ 0.50% · 4.625%
HK$170,338
+HK$9,771/mo
Deposit HK$3.68M · loan HK$33.13M · min. income ≈ HK$321,134/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,564,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,089
−HK$9,081/mo
▼ 0.25% · 3.875%
HK$172,597
−HK$4,573/mo
Today · 4.125%
HK$177,170
baseline
▲ 0.50% · 4.625%
HK$186,509
+HK$9,339/mo
Deposit HK$3.68M · loan HK$33.13M · min. income ≈ HK$354,340/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,564,501 · Scale 2, in force from 26 Feb 2026)