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$84,206
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$86,825
−HK$2,661/mo
Today · 4.125%
HK$89,486
baseline
▲ 0.50% · 4.625%
HK$94,931
+HK$5,445/mo
Deposit HK$18.46M · loan HK$18.46M · min. income ≈ HK$178,972/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$1,569,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,678
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$96,190
−HK$2,549/mo
Today · 4.125%
HK$98,739
baseline
▲ 0.50% · 4.625%
HK$103,944
+HK$5,205/mo
Deposit HK$18.46M · loan HK$18.46M · min. income ≈ HK$197,478/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$1,569,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,047
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$104,190
−HK$3,193/mo
Today · 4.125%
HK$107,383
baseline
▲ 0.50% · 4.625%
HK$113,917
+HK$6,534/mo
Deposit HK$14.77M · loan HK$22.16M · min. income ≈ HK$214,766/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,569,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,414
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$115,428
−HK$3,059/mo
Today · 4.125%
HK$118,487
baseline
▲ 0.50% · 4.625%
HK$124,733
+HK$6,246/mo
Deposit HK$14.77M · loan HK$22.16M · min. income ≈ HK$236,974/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,569,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,888
−HK$7,393/mo
▼ 0.25% · 3.875%
HK$121,555
−HK$3,726/mo
Today · 4.125%
HK$125,281
baseline
▲ 0.50% · 4.625%
HK$132,904
+HK$7,623/mo
Deposit HK$11.08M · loan HK$25.85M · min. income ≈ HK$250,562/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,569,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,149
−HK$7,086/mo
▼ 0.25% · 3.875%
HK$134,667
−HK$3,568/mo
Today · 4.125%
HK$138,235
baseline
▲ 0.50% · 4.625%
HK$145,521
+HK$7,286/mo
Deposit HK$11.08M · loan HK$25.85M · min. income ≈ HK$276,470/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,569,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,570
−HK$9,505/mo
▼ 0.25% · 3.875%
HK$156,285
−HK$4,790/mo
Today · 4.125%
HK$161,075
baseline
▲ 0.50% · 4.625%
HK$170,876
+HK$9,801/mo
Deposit HK$3.69M · loan HK$33.24M · min. income ≈ HK$322,150/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,569,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,620
−HK$9,110/mo
▼ 0.25% · 3.875%
HK$173,143
−HK$4,587/mo
Today · 4.125%
HK$177,730
baseline
▲ 0.50% · 4.625%
HK$187,099
+HK$9,369/mo
Deposit HK$3.69M · loan HK$33.24M · min. income ≈ HK$355,460/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,569,448 · Scale 2, in force from 26 Feb 2026)