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$84,657
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$87,291
−HK$2,675/mo
Today · 4.125%
HK$89,966
baseline
▲ 0.50% · 4.625%
HK$95,440
+HK$5,474/mo
Deposit HK$18.56M · loan HK$18.56M · min. income ≈ HK$179,932/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,577,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,180
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$96,706
−HK$2,563/mo
Today · 4.125%
HK$99,269
baseline
▲ 0.50% · 4.625%
HK$104,501
+HK$5,232/mo
Deposit HK$18.56M · loan HK$18.56M · min. income ≈ HK$198,538/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,577,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,589
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$104,749
−HK$3,210/mo
Today · 4.125%
HK$107,959
baseline
▲ 0.50% · 4.625%
HK$114,528
+HK$6,569/mo
Deposit HK$14.85M · loan HK$22.28M · min. income ≈ HK$215,918/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,577,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,016
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$116,047
−HK$3,075/mo
Today · 4.125%
HK$119,122
baseline
▲ 0.50% · 4.625%
HK$125,401
+HK$6,279/mo
Deposit HK$14.85M · loan HK$22.28M · min. income ≈ HK$238,244/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,577,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,520
−HK$7,432/mo
▼ 0.25% · 3.875%
HK$122,207
−HK$3,745/mo
Today · 4.125%
HK$125,952
baseline
▲ 0.50% · 4.625%
HK$133,616
+HK$7,664/mo
Deposit HK$11.14M · loan HK$25.99M · min. income ≈ HK$251,904/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,577,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,852
−HK$7,124/mo
▼ 0.25% · 3.875%
HK$135,389
−HK$3,587/mo
Today · 4.125%
HK$138,976
baseline
▲ 0.50% · 4.625%
HK$146,302
+HK$7,326/mo
Deposit HK$11.14M · loan HK$25.99M · min. income ≈ HK$277,952/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,577,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,383
−HK$9,556/mo
▼ 0.25% · 3.875%
HK$157,123
−HK$4,816/mo
Today · 4.125%
HK$161,939
baseline
▲ 0.50% · 4.625%
HK$171,792
+HK$9,853/mo
Deposit HK$3.71M · loan HK$33.41M · min. income ≈ HK$323,878/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,577,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,525
−HK$9,158/mo
▼ 0.25% · 3.875%
HK$174,071
−HK$4,612/mo
Today · 4.125%
HK$178,683
baseline
▲ 0.50% · 4.625%
HK$188,102
+HK$9,419/mo
Deposit HK$3.71M · loan HK$33.41M · min. income ≈ HK$357,366/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,577,863 · Scale 2, in force from 26 Feb 2026)