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$84,652
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$87,285
−HK$2,676/mo
Today · 4.125%
HK$89,961
baseline
▲ 0.50% · 4.625%
HK$95,435
+HK$5,474/mo
Deposit HK$18.56M · loan HK$18.56M · min. income ≈ HK$179,922/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,577,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,175
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$96,701
−HK$2,562/mo
Today · 4.125%
HK$99,263
baseline
▲ 0.50% · 4.625%
HK$104,495
+HK$5,232/mo
Deposit HK$18.56M · loan HK$18.56M · min. income ≈ HK$198,526/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,577,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,583
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$104,743
−HK$3,210/mo
Today · 4.125%
HK$107,953
baseline
▲ 0.50% · 4.625%
HK$114,522
+HK$6,569/mo
Deposit HK$14.85M · loan HK$22.27M · min. income ≈ HK$215,906/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,577,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,010
−HK$6,105/mo
▼ 0.25% · 3.875%
HK$116,041
−HK$3,074/mo
Today · 4.125%
HK$119,115
baseline
▲ 0.50% · 4.625%
HK$125,394
+HK$6,279/mo
Deposit HK$14.85M · loan HK$22.27M · min. income ≈ HK$238,230/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,577,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,513
−HK$7,432/mo
▼ 0.25% · 3.875%
HK$122,200
−HK$3,745/mo
Today · 4.125%
HK$125,945
baseline
▲ 0.50% · 4.625%
HK$133,609
+HK$7,664/mo
Deposit HK$11.14M · loan HK$25.99M · min. income ≈ HK$251,890/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,577,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,845
−HK$7,123/mo
▼ 0.25% · 3.875%
HK$135,381
−HK$3,587/mo
Today · 4.125%
HK$138,968
baseline
▲ 0.50% · 4.625%
HK$146,293
+HK$7,325/mo
Deposit HK$11.14M · loan HK$25.99M · min. income ≈ HK$277,936/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,577,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,374
−HK$9,555/mo
▼ 0.25% · 3.875%
HK$157,114
−HK$4,815/mo
Today · 4.125%
HK$161,929
baseline
▲ 0.50% · 4.625%
HK$171,782
+HK$9,853/mo
Deposit HK$3.71M · loan HK$33.41M · min. income ≈ HK$323,858/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,577,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,515
−HK$9,158/mo
▼ 0.25% · 3.875%
HK$174,061
−HK$4,612/mo
Today · 4.125%
HK$178,673
baseline
▲ 0.50% · 4.625%
HK$188,091
+HK$9,418/mo
Deposit HK$3.71M · loan HK$33.41M · min. income ≈ HK$357,346/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,577,772 · Scale 2, in force from 26 Feb 2026)