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$84,582
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$87,213
−HK$2,673/mo
Today · 4.125%
HK$89,886
baseline
▲ 0.50% · 4.625%
HK$95,355
+HK$5,469/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$179,772/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,576,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,096
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,620
−HK$2,560/mo
Today · 4.125%
HK$99,180
baseline
▲ 0.50% · 4.625%
HK$104,408
+HK$5,228/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$198,360/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,576,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,498
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$104,655
−HK$3,208/mo
Today · 4.125%
HK$107,863
baseline
▲ 0.50% · 4.625%
HK$114,426
+HK$6,563/mo
Deposit HK$14.84M · loan HK$22.26M · min. income ≈ HK$215,726/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,576,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,916
−HK$6,100/mo
▼ 0.25% · 3.875%
HK$115,944
−HK$3,072/mo
Today · 4.125%
HK$119,016
baseline
▲ 0.50% · 4.625%
HK$125,290
+HK$6,274/mo
Deposit HK$14.84M · loan HK$22.26M · min. income ≈ HK$238,032/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,576,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,415
−HK$7,425/mo
▼ 0.25% · 3.875%
HK$122,098
−HK$3,742/mo
Today · 4.125%
HK$125,840
baseline
▲ 0.50% · 4.625%
HK$133,497
+HK$7,657/mo
Deposit HK$11.13M · loan HK$25.97M · min. income ≈ HK$251,680/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,576,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,735
−HK$7,117/mo
▼ 0.25% · 3.875%
HK$135,268
−HK$3,584/mo
Today · 4.125%
HK$138,852
baseline
▲ 0.50% · 4.625%
HK$146,171
+HK$7,319/mo
Deposit HK$11.13M · loan HK$25.97M · min. income ≈ HK$277,704/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,576,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,247
−HK$9,548/mo
▼ 0.25% · 3.875%
HK$156,983
−HK$4,812/mo
Today · 4.125%
HK$161,795
baseline
▲ 0.50% · 4.625%
HK$171,639
+HK$9,844/mo
Deposit HK$3.71M · loan HK$33.38M · min. income ≈ HK$323,590/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,576,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,374
−HK$9,150/mo
▼ 0.25% · 3.875%
HK$173,916
−HK$4,608/mo
Today · 4.125%
HK$178,524
baseline
▲ 0.50% · 4.625%
HK$187,935
+HK$9,411/mo
Deposit HK$3.71M · loan HK$33.38M · min. income ≈ HK$357,048/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,576,459 · Scale 2, in force from 26 Feb 2026)