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$84,592
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,223
−HK$2,674/mo
Today · 4.125%
HK$89,897
baseline
▲ 0.50% · 4.625%
HK$95,367
+HK$5,470/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$179,794/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,576,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,108
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,632
−HK$2,560/mo
Today · 4.125%
HK$99,192
baseline
▲ 0.50% · 4.625%
HK$104,421
+HK$5,229/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$198,384/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,576,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,511
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$104,668
−HK$3,208/mo
Today · 4.125%
HK$107,876
baseline
▲ 0.50% · 4.625%
HK$114,440
+HK$6,564/mo
Deposit HK$14.84M · loan HK$22.26M · min. income ≈ HK$215,752/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,576,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,930
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$115,958
−HK$3,073/mo
Today · 4.125%
HK$119,031
baseline
▲ 0.50% · 4.625%
HK$125,305
+HK$6,274/mo
Deposit HK$14.84M · loan HK$22.26M · min. income ≈ HK$238,062/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,576,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,429
−HK$7,427/mo
▼ 0.25% · 3.875%
HK$122,113
−HK$3,743/mo
Today · 4.125%
HK$125,856
baseline
▲ 0.50% · 4.625%
HK$133,514
+HK$7,658/mo
Deposit HK$11.13M · loan HK$25.97M · min. income ≈ HK$251,712/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,576,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,751
−HK$7,118/mo
▼ 0.25% · 3.875%
HK$135,285
−HK$3,584/mo
Today · 4.125%
HK$138,869
baseline
▲ 0.50% · 4.625%
HK$146,189
+HK$7,320/mo
Deposit HK$11.13M · loan HK$25.97M · min. income ≈ HK$277,738/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,576,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,266
−HK$9,548/mo
▼ 0.25% · 3.875%
HK$157,002
−HK$4,812/mo
Today · 4.125%
HK$161,814
baseline
▲ 0.50% · 4.625%
HK$171,660
+HK$9,846/mo
Deposit HK$3.71M · loan HK$33.39M · min. income ≈ HK$323,628/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,576,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,394
−HK$9,152/mo
▼ 0.25% · 3.875%
HK$173,937
−HK$4,609/mo
Today · 4.125%
HK$178,546
baseline
▲ 0.50% · 4.625%
HK$187,958
+HK$9,412/mo
Deposit HK$3.71M · loan HK$33.39M · min. income ≈ HK$357,092/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,576,651 · Scale 2, in force from 26 Feb 2026)