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$84,240
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$86,861
−HK$2,662/mo
Today · 4.125%
HK$89,523
baseline
▲ 0.50% · 4.625%
HK$94,970
+HK$5,447/mo
Deposit HK$18.47M · loan HK$18.47M · min. income ≈ HK$179,046/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,570,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,716
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$96,230
−HK$2,550/mo
Today · 4.125%
HK$98,780
baseline
▲ 0.50% · 4.625%
HK$103,986
+HK$5,206/mo
Deposit HK$18.47M · loan HK$18.47M · min. income ≈ HK$197,560/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,570,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,088
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$104,233
−HK$3,194/mo
Today · 4.125%
HK$107,427
baseline
▲ 0.50% · 4.625%
HK$113,964
+HK$6,537/mo
Deposit HK$14.78M · loan HK$22.17M · min. income ≈ HK$214,854/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,570,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,460
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$115,476
−HK$3,060/mo
Today · 4.125%
HK$118,536
baseline
▲ 0.50% · 4.625%
HK$124,784
+HK$6,248/mo
Deposit HK$14.78M · loan HK$22.17M · min. income ≈ HK$237,072/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,570,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,936
−HK$7,396/mo
▼ 0.25% · 3.875%
HK$121,605
−HK$3,727/mo
Today · 4.125%
HK$125,332
baseline
▲ 0.50% · 4.625%
HK$132,958
+HK$7,626/mo
Deposit HK$11.08M · loan HK$25.86M · min. income ≈ HK$250,664/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,570,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,203
−HK$7,088/mo
▼ 0.25% · 3.875%
HK$134,722
−HK$3,569/mo
Today · 4.125%
HK$138,291
baseline
▲ 0.50% · 4.625%
HK$145,581
+HK$7,290/mo
Deposit HK$11.08M · loan HK$25.86M · min. income ≈ HK$276,582/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,570,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,632
−HK$9,509/mo
▼ 0.25% · 3.875%
HK$156,349
−HK$4,792/mo
Today · 4.125%
HK$161,141
baseline
▲ 0.50% · 4.625%
HK$170,946
+HK$9,805/mo
Deposit HK$3.69M · loan HK$33.25M · min. income ≈ HK$322,282/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,570,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,690
−HK$9,113/mo
▼ 0.25% · 3.875%
HK$173,214
−HK$4,589/mo
Today · 4.125%
HK$177,803
baseline
▲ 0.50% · 4.625%
HK$187,176
+HK$9,373/mo
Deposit HK$3.69M · loan HK$33.25M · min. income ≈ HK$355,606/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,570,091 · Scale 2, in force from 26 Feb 2026)