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$84,563
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$87,193
−HK$2,673/mo
Today · 4.125%
HK$89,866
baseline
▲ 0.50% · 4.625%
HK$95,334
+HK$5,468/mo
Deposit HK$18.54M · loan HK$18.54M · min. income ≈ HK$179,732/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,576,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,075
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,598
−HK$2,560/mo
Today · 4.125%
HK$99,158
baseline
▲ 0.50% · 4.625%
HK$104,385
+HK$5,227/mo
Deposit HK$18.54M · loan HK$18.54M · min. income ≈ HK$198,316/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,576,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,475
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$104,632
−HK$3,207/mo
Today · 4.125%
HK$107,839
baseline
▲ 0.50% · 4.625%
HK$114,401
+HK$6,562/mo
Deposit HK$14.83M · loan HK$22.25M · min. income ≈ HK$215,678/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,576,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,890
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$115,918
−HK$3,071/mo
Today · 4.125%
HK$118,989
baseline
▲ 0.50% · 4.625%
HK$125,262
+HK$6,273/mo
Deposit HK$14.83M · loan HK$22.25M · min. income ≈ HK$237,978/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,576,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,388
−HK$7,424/mo
▼ 0.25% · 3.875%
HK$122,071
−HK$3,741/mo
Today · 4.125%
HK$125,812
baseline
▲ 0.50% · 4.625%
HK$133,467
+HK$7,655/mo
Deposit HK$11.13M · loan HK$25.96M · min. income ≈ HK$251,624/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,576,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,705
−HK$7,116/mo
▼ 0.25% · 3.875%
HK$135,238
−HK$3,583/mo
Today · 4.125%
HK$138,821
baseline
▲ 0.50% · 4.625%
HK$146,139
+HK$7,318/mo
Deposit HK$11.13M · loan HK$25.96M · min. income ≈ HK$277,642/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,576,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,213
−HK$9,545/mo
▼ 0.25% · 3.875%
HK$156,948
−HK$4,810/mo
Today · 4.125%
HK$161,758
baseline
▲ 0.50% · 4.625%
HK$171,601
+HK$9,843/mo
Deposit HK$3.71M · loan HK$33.38M · min. income ≈ HK$323,516/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,576,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,336
−HK$9,148/mo
▼ 0.25% · 3.875%
HK$173,877
−HK$4,607/mo
Today · 4.125%
HK$178,484
baseline
▲ 0.50% · 4.625%
HK$187,892
+HK$9,408/mo
Deposit HK$3.71M · loan HK$33.38M · min. income ≈ HK$356,968/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,576,104 · Scale 2, in force from 26 Feb 2026)