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$84,418
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$87,044
−HK$2,667/mo
Today · 4.125%
HK$89,711
baseline
▲ 0.50% · 4.625%
HK$95,170
+HK$5,459/mo
Deposit HK$18.51M · loan HK$18.51M · min. income ≈ HK$179,422/mo (50% DSR)
Upfront cash ≈ HK$20.08M (deposit + AVD stamp duty HK$1,573,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,914
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,433
−HK$2,555/mo
Today · 4.125%
HK$98,988
baseline
▲ 0.50% · 4.625%
HK$104,205
+HK$5,217/mo
Deposit HK$18.51M · loan HK$18.51M · min. income ≈ HK$197,976/mo (50% DSR)
Upfront cash ≈ HK$20.08M (deposit + AVD stamp duty HK$1,573,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,301
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$104,452
−HK$3,202/mo
Today · 4.125%
HK$107,654
baseline
▲ 0.50% · 4.625%
HK$114,204
+HK$6,550/mo
Deposit HK$14.81M · loan HK$22.21M · min. income ≈ HK$215,308/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,573,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,697
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$115,719
−HK$3,066/mo
Today · 4.125%
HK$118,785
baseline
▲ 0.50% · 4.625%
HK$125,047
+HK$6,262/mo
Deposit HK$14.81M · loan HK$22.21M · min. income ≈ HK$237,570/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,573,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,185
−HK$7,411/mo
▼ 0.25% · 3.875%
HK$121,861
−HK$3,735/mo
Today · 4.125%
HK$125,596
baseline
▲ 0.50% · 4.625%
HK$133,238
+HK$7,642/mo
Deposit HK$11.11M · loan HK$25.91M · min. income ≈ HK$251,192/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,573,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,479
−HK$7,104/mo
▼ 0.25% · 3.875%
HK$135,006
−HK$3,577/mo
Today · 4.125%
HK$138,583
baseline
▲ 0.50% · 4.625%
HK$145,888
+HK$7,305/mo
Deposit HK$11.11M · loan HK$25.91M · min. income ≈ HK$277,166/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,573,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,952
−HK$9,529/mo
▼ 0.25% · 3.875%
HK$156,678
−HK$4,803/mo
Today · 4.125%
HK$161,481
baseline
▲ 0.50% · 4.625%
HK$171,306
+HK$9,825/mo
Deposit HK$3.70M · loan HK$33.32M · min. income ≈ HK$322,962/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,573,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,045
−HK$9,133/mo
▼ 0.25% · 3.875%
HK$173,579
−HK$4,599/mo
Today · 4.125%
HK$178,178
baseline
▲ 0.50% · 4.625%
HK$187,570
+HK$9,392/mo
Deposit HK$3.70M · loan HK$33.32M · min. income ≈ HK$356,356/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,573,399 · Scale 2, in force from 26 Feb 2026)