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$84,009
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,622
−HK$2,655/mo
Today · 4.125%
HK$89,277
baseline
▲ 0.50% · 4.625%
HK$94,710
+HK$5,433/mo
Deposit HK$18.42M · loan HK$18.42M · min. income ≈ HK$178,554/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,565,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,459
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$95,966
−HK$2,543/mo
Today · 4.125%
HK$98,509
baseline
▲ 0.50% · 4.625%
HK$103,701
+HK$5,192/mo
Deposit HK$18.42M · loan HK$18.42M · min. income ≈ HK$197,018/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,565,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,811
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$103,947
−HK$3,186/mo
Today · 4.125%
HK$107,133
baseline
▲ 0.50% · 4.625%
HK$113,652
+HK$6,519/mo
Deposit HK$14.74M · loan HK$22.11M · min. income ≈ HK$214,266/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,565,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,151
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$115,159
−HK$3,052/mo
Today · 4.125%
HK$118,211
baseline
▲ 0.50% · 4.625%
HK$124,442
+HK$6,231/mo
Deposit HK$14.74M · loan HK$22.11M · min. income ≈ HK$236,422/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,565,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,613
−HK$7,375/mo
▼ 0.25% · 3.875%
HK$121,271
−HK$3,717/mo
Today · 4.125%
HK$124,988
baseline
▲ 0.50% · 4.625%
HK$132,594
+HK$7,606/mo
Deposit HK$11.05M · loan HK$25.79M · min. income ≈ HK$249,976/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,565,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,843
−HK$7,069/mo
▼ 0.25% · 3.875%
HK$134,352
−HK$3,560/mo
Today · 4.125%
HK$137,912
baseline
▲ 0.50% · 4.625%
HK$145,182
+HK$7,270/mo
Deposit HK$11.05M · loan HK$25.79M · min. income ≈ HK$275,824/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,565,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,217
−HK$9,482/mo
▼ 0.25% · 3.875%
HK$155,920
−HK$4,779/mo
Today · 4.125%
HK$160,699
baseline
▲ 0.50% · 4.625%
HK$170,477
+HK$9,778/mo
Deposit HK$3.68M · loan HK$33.16M · min. income ≈ HK$321,398/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,565,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,227
−HK$9,089/mo
▼ 0.25% · 3.875%
HK$172,739
−HK$4,577/mo
Today · 4.125%
HK$177,316
baseline
▲ 0.50% · 4.625%
HK$186,662
+HK$9,346/mo
Deposit HK$3.68M · loan HK$33.16M · min. income ≈ HK$354,632/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,565,786 · Scale 2, in force from 26 Feb 2026)