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$83,994
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$86,607
−HK$2,654/mo
Today · 4.125%
HK$89,261
baseline
▲ 0.50% · 4.625%
HK$94,692
+HK$5,431/mo
Deposit HK$18.42M · loan HK$18.42M · min. income ≈ HK$178,522/mo (50% DSR)
Upfront cash ≈ HK$19.98M (deposit + AVD stamp duty HK$1,565,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,442
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,948
−HK$2,543/mo
Today · 4.125%
HK$98,491
baseline
▲ 0.50% · 4.625%
HK$103,682
+HK$5,191/mo
Deposit HK$18.42M · loan HK$18.42M · min. income ≈ HK$196,982/mo (50% DSR)
Upfront cash ≈ HK$19.98M (deposit + AVD stamp duty HK$1,565,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,793
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$103,928
−HK$3,185/mo
Today · 4.125%
HK$107,113
baseline
▲ 0.50% · 4.625%
HK$113,631
+HK$6,518/mo
Deposit HK$14.73M · loan HK$22.10M · min. income ≈ HK$214,226/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,565,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,131
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$115,138
−HK$3,051/mo
Today · 4.125%
HK$118,189
baseline
▲ 0.50% · 4.625%
HK$124,419
+HK$6,230/mo
Deposit HK$14.73M · loan HK$22.10M · min. income ≈ HK$236,378/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,565,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,591
−HK$7,375/mo
▼ 0.25% · 3.875%
HK$121,249
−HK$3,717/mo
Today · 4.125%
HK$124,966
baseline
▲ 0.50% · 4.625%
HK$132,569
+HK$7,603/mo
Deposit HK$11.05M · loan HK$25.78M · min. income ≈ HK$249,932/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,565,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,819
−HK$7,068/mo
▼ 0.25% · 3.875%
HK$134,328
−HK$3,559/mo
Today · 4.125%
HK$137,887
baseline
▲ 0.50% · 4.625%
HK$145,155
+HK$7,268/mo
Deposit HK$11.05M · loan HK$25.78M · min. income ≈ HK$275,774/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,565,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,189
−HK$9,481/mo
▼ 0.25% · 3.875%
HK$155,892
−HK$4,778/mo
Today · 4.125%
HK$160,670
baseline
▲ 0.50% · 4.625%
HK$170,446
+HK$9,776/mo
Deposit HK$3.68M · loan HK$33.15M · min. income ≈ HK$321,340/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,565,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,196
−HK$9,087/mo
▼ 0.25% · 3.875%
HK$172,707
−HK$4,576/mo
Today · 4.125%
HK$177,283
baseline
▲ 0.50% · 4.625%
HK$186,628
+HK$9,345/mo
Deposit HK$3.68M · loan HK$33.15M · min. income ≈ HK$354,566/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,565,500 · Scale 2, in force from 26 Feb 2026)