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$84,209
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$86,829
−HK$2,661/mo
Today · 4.125%
HK$89,490
baseline
▲ 0.50% · 4.625%
HK$94,935
+HK$5,445/mo
Deposit HK$18.46M · loan HK$18.46M · min. income ≈ HK$178,980/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$1,569,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,682
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$96,195
−HK$2,549/mo
Today · 4.125%
HK$98,744
baseline
▲ 0.50% · 4.625%
HK$103,948
+HK$5,204/mo
Deposit HK$18.46M · loan HK$18.46M · min. income ≈ HK$197,488/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$1,569,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,051
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$104,195
−HK$3,193/mo
Today · 4.125%
HK$107,388
baseline
▲ 0.50% · 4.625%
HK$113,923
+HK$6,535/mo
Deposit HK$14.77M · loan HK$22.16M · min. income ≈ HK$214,776/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,569,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,419
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$115,434
−HK$3,058/mo
Today · 4.125%
HK$118,492
baseline
▲ 0.50% · 4.625%
HK$124,738
+HK$6,246/mo
Deposit HK$14.77M · loan HK$22.16M · min. income ≈ HK$236,984/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,569,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,893
−HK$7,393/mo
▼ 0.25% · 3.875%
HK$121,560
−HK$3,726/mo
Today · 4.125%
HK$125,286
baseline
▲ 0.50% · 4.625%
HK$132,910
+HK$7,624/mo
Deposit HK$11.08M · loan HK$25.85M · min. income ≈ HK$250,572/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,569,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,155
−HK$7,086/mo
▼ 0.25% · 3.875%
HK$134,673
−HK$3,568/mo
Today · 4.125%
HK$138,241
baseline
▲ 0.50% · 4.625%
HK$145,528
+HK$7,287/mo
Deposit HK$11.08M · loan HK$25.85M · min. income ≈ HK$276,482/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,569,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,577
−HK$9,505/mo
▼ 0.25% · 3.875%
HK$156,292
−HK$4,790/mo
Today · 4.125%
HK$161,082
baseline
▲ 0.50% · 4.625%
HK$170,884
+HK$9,802/mo
Deposit HK$3.69M · loan HK$33.24M · min. income ≈ HK$322,164/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,569,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,628
−HK$9,110/mo
▼ 0.25% · 3.875%
HK$173,150
−HK$4,588/mo
Today · 4.125%
HK$177,738
baseline
▲ 0.50% · 4.625%
HK$187,107
+HK$9,369/mo
Deposit HK$3.69M · loan HK$33.24M · min. income ≈ HK$355,476/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,569,518 · Scale 2, in force from 26 Feb 2026)