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$84,590
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,221
−HK$2,674/mo
Today · 4.125%
HK$89,895
baseline
▲ 0.50% · 4.625%
HK$95,364
+HK$5,469/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$179,790/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,576,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,106
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,629
−HK$2,561/mo
Today · 4.125%
HK$99,190
baseline
▲ 0.50% · 4.625%
HK$104,418
+HK$5,228/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$198,380/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,576,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,508
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$104,665
−HK$3,208/mo
Today · 4.125%
HK$107,873
baseline
▲ 0.50% · 4.625%
HK$114,437
+HK$6,564/mo
Deposit HK$14.84M · loan HK$22.26M · min. income ≈ HK$215,746/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,576,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,927
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$115,955
−HK$3,073/mo
Today · 4.125%
HK$119,028
baseline
▲ 0.50% · 4.625%
HK$125,302
+HK$6,274/mo
Deposit HK$14.84M · loan HK$22.26M · min. income ≈ HK$238,056/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,576,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,426
−HK$7,426/mo
▼ 0.25% · 3.875%
HK$122,110
−HK$3,742/mo
Today · 4.125%
HK$125,852
baseline
▲ 0.50% · 4.625%
HK$133,510
+HK$7,658/mo
Deposit HK$11.13M · loan HK$25.97M · min. income ≈ HK$251,704/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,576,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,748
−HK$7,118/mo
▼ 0.25% · 3.875%
HK$135,281
−HK$3,585/mo
Today · 4.125%
HK$138,866
baseline
▲ 0.50% · 4.625%
HK$146,185
+HK$7,319/mo
Deposit HK$11.13M · loan HK$25.97M · min. income ≈ HK$277,732/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,576,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,262
−HK$9,548/mo
▼ 0.25% · 3.875%
HK$156,998
−HK$4,812/mo
Today · 4.125%
HK$161,810
baseline
▲ 0.50% · 4.625%
HK$171,656
+HK$9,846/mo
Deposit HK$3.71M · loan HK$33.39M · min. income ≈ HK$323,620/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,576,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,390
−HK$9,152/mo
▼ 0.25% · 3.875%
HK$173,933
−HK$4,609/mo
Today · 4.125%
HK$178,542
baseline
▲ 0.50% · 4.625%
HK$187,953
+HK$9,411/mo
Deposit HK$3.71M · loan HK$33.39M · min. income ≈ HK$357,084/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,576,610 · Scale 2, in force from 26 Feb 2026)