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$84,529
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$87,158
−HK$2,672/mo
Today · 4.125%
HK$89,830
baseline
▲ 0.50% · 4.625%
HK$95,296
+HK$5,466/mo
Deposit HK$18.53M · loan HK$18.53M · min. income ≈ HK$179,660/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,575,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,038
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$96,560
−HK$2,558/mo
Today · 4.125%
HK$99,118
baseline
▲ 0.50% · 4.625%
HK$104,343
+HK$5,225/mo
Deposit HK$18.53M · loan HK$18.53M · min. income ≈ HK$198,236/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,575,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,435
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$104,590
−HK$3,206/mo
Today · 4.125%
HK$107,796
baseline
▲ 0.50% · 4.625%
HK$114,355
+HK$6,559/mo
Deposit HK$14.83M · loan HK$22.24M · min. income ≈ HK$215,592/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,575,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,845
−HK$6,097/mo
▼ 0.25% · 3.875%
HK$115,872
−HK$3,070/mo
Today · 4.125%
HK$118,942
baseline
▲ 0.50% · 4.625%
HK$125,212
+HK$6,270/mo
Deposit HK$14.83M · loan HK$22.24M · min. income ≈ HK$237,884/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,575,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,341
−HK$7,421/mo
▼ 0.25% · 3.875%
HK$122,022
−HK$3,740/mo
Today · 4.125%
HK$125,762
baseline
▲ 0.50% · 4.625%
HK$133,414
+HK$7,652/mo
Deposit HK$11.12M · loan HK$25.95M · min. income ≈ HK$251,524/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,575,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,653
−HK$7,113/mo
▼ 0.25% · 3.875%
HK$135,184
−HK$3,582/mo
Today · 4.125%
HK$138,766
baseline
▲ 0.50% · 4.625%
HK$146,080
+HK$7,314/mo
Deposit HK$11.12M · loan HK$25.95M · min. income ≈ HK$277,532/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,575,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,152
−HK$9,542/mo
▼ 0.25% · 3.875%
HK$156,885
−HK$4,809/mo
Today · 4.125%
HK$161,694
baseline
▲ 0.50% · 4.625%
HK$171,532
+HK$9,838/mo
Deposit HK$3.71M · loan HK$33.36M · min. income ≈ HK$323,388/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,268
−HK$9,145/mo
▼ 0.25% · 3.875%
HK$173,808
−HK$4,605/mo
Today · 4.125%
HK$178,413
baseline
▲ 0.50% · 4.625%
HK$187,817
+HK$9,404/mo
Deposit HK$3.71M · loan HK$33.36M · min. income ≈ HK$356,826/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,474 · Scale 2, in force from 26 Feb 2026)