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$84,286
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$86,908
−HK$2,663/mo
Today · 4.125%
HK$89,571
baseline
▲ 0.50% · 4.625%
HK$95,022
+HK$5,451/mo
Deposit HK$18.48M · loan HK$18.48M · min. income ≈ HK$179,142/mo (50% DSR)
Upfront cash ≈ HK$20.05M (deposit + AVD stamp duty HK$1,570,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,767
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$96,282
−HK$2,551/mo
Today · 4.125%
HK$98,833
baseline
▲ 0.50% · 4.625%
HK$104,043
+HK$5,210/mo
Deposit HK$18.48M · loan HK$18.48M · min. income ≈ HK$197,666/mo (50% DSR)
Upfront cash ≈ HK$20.05M (deposit + AVD stamp duty HK$1,570,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,143
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$104,289
−HK$3,197/mo
Today · 4.125%
HK$107,486
baseline
▲ 0.50% · 4.625%
HK$114,026
+HK$6,540/mo
Deposit HK$14.79M · loan HK$22.18M · min. income ≈ HK$214,972/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,570,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,521
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$115,538
−HK$3,062/mo
Today · 4.125%
HK$118,600
baseline
▲ 0.50% · 4.625%
HK$124,851
+HK$6,251/mo
Deposit HK$14.79M · loan HK$22.18M · min. income ≈ HK$237,200/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,570,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,000
−HK$7,400/mo
▼ 0.25% · 3.875%
HK$121,671
−HK$3,729/mo
Today · 4.125%
HK$125,400
baseline
▲ 0.50% · 4.625%
HK$133,030
+HK$7,630/mo
Deposit HK$11.09M · loan HK$25.87M · min. income ≈ HK$250,800/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,570,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,274
−HK$7,093/mo
▼ 0.25% · 3.875%
HK$134,795
−HK$3,572/mo
Today · 4.125%
HK$138,367
baseline
▲ 0.50% · 4.625%
HK$145,660
+HK$7,293/mo
Deposit HK$11.09M · loan HK$25.87M · min. income ≈ HK$276,734/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,570,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,715
−HK$9,514/mo
▼ 0.25% · 3.875%
HK$156,434
−HK$4,795/mo
Today · 4.125%
HK$161,229
baseline
▲ 0.50% · 4.625%
HK$171,039
+HK$9,810/mo
Deposit HK$3.70M · loan HK$33.27M · min. income ≈ HK$322,458/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,570,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,781
−HK$9,119/mo
▼ 0.25% · 3.875%
HK$173,308
−HK$4,592/mo
Today · 4.125%
HK$177,900
baseline
▲ 0.50% · 4.625%
HK$187,277
+HK$9,377/mo
Deposit HK$3.70M · loan HK$33.27M · min. income ≈ HK$355,800/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,570,943 · Scale 2, in force from 26 Feb 2026)