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$84,193
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$86,812
−HK$2,661/mo
Today · 4.125%
HK$89,473
baseline
▲ 0.50% · 4.625%
HK$94,917
+HK$5,444/mo
Deposit HK$18.46M · loan HK$18.46M · min. income ≈ HK$178,946/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$1,569,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,664
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$96,176
−HK$2,548/mo
Today · 4.125%
HK$98,724
baseline
▲ 0.50% · 4.625%
HK$103,928
+HK$5,204/mo
Deposit HK$18.46M · loan HK$18.46M · min. income ≈ HK$197,448/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$1,569,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,031
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$104,174
−HK$3,193/mo
Today · 4.125%
HK$107,367
baseline
▲ 0.50% · 4.625%
HK$113,900
+HK$6,533/mo
Deposit HK$14.77M · loan HK$22.15M · min. income ≈ HK$214,734/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,569,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,396
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$115,411
−HK$3,058/mo
Today · 4.125%
HK$118,469
baseline
▲ 0.50% · 4.625%
HK$124,714
+HK$6,245/mo
Deposit HK$14.77M · loan HK$22.15M · min. income ≈ HK$236,938/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,569,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,870
−HK$7,392/mo
▼ 0.25% · 3.875%
HK$121,536
−HK$3,726/mo
Today · 4.125%
HK$125,262
baseline
▲ 0.50% · 4.625%
HK$132,883
+HK$7,621/mo
Deposit HK$11.08M · loan HK$25.85M · min. income ≈ HK$250,524/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,569,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,129
−HK$7,085/mo
▼ 0.25% · 3.875%
HK$134,646
−HK$3,568/mo
Today · 4.125%
HK$138,214
baseline
▲ 0.50% · 4.625%
HK$145,499
+HK$7,285/mo
Deposit HK$11.08M · loan HK$25.85M · min. income ≈ HK$276,428/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,569,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,547
−HK$9,504/mo
▼ 0.25% · 3.875%
HK$156,261
−HK$4,790/mo
Today · 4.125%
HK$161,051
baseline
▲ 0.50% · 4.625%
HK$170,850
+HK$9,799/mo
Deposit HK$3.69M · loan HK$33.23M · min. income ≈ HK$322,102/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,569,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,595
−HK$9,108/mo
▼ 0.25% · 3.875%
HK$173,116
−HK$4,587/mo
Today · 4.125%
HK$177,703
baseline
▲ 0.50% · 4.625%
HK$187,070
+HK$9,367/mo
Deposit HK$3.69M · loan HK$33.23M · min. income ≈ HK$355,406/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,569,209 · Scale 2, in force from 26 Feb 2026)