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$84,521
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$87,150
−HK$2,672/mo
Today · 4.125%
HK$89,822
baseline
▲ 0.50% · 4.625%
HK$95,287
+HK$5,465/mo
Deposit HK$18.53M · loan HK$18.53M · min. income ≈ HK$179,644/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,575,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,029
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$96,551
−HK$2,558/mo
Today · 4.125%
HK$99,109
baseline
▲ 0.50% · 4.625%
HK$104,334
+HK$5,225/mo
Deposit HK$18.53M · loan HK$18.53M · min. income ≈ HK$198,218/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,575,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,426
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$104,581
−HK$3,205/mo
Today · 4.125%
HK$107,786
baseline
▲ 0.50% · 4.625%
HK$114,344
+HK$6,558/mo
Deposit HK$14.83M · loan HK$22.24M · min. income ≈ HK$215,572/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,575,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,835
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$115,861
−HK$3,070/mo
Today · 4.125%
HK$118,931
baseline
▲ 0.50% · 4.625%
HK$125,200
+HK$6,269/mo
Deposit HK$14.83M · loan HK$22.24M · min. income ≈ HK$237,862/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,575,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,330
−HK$7,420/mo
▼ 0.25% · 3.875%
HK$122,011
−HK$3,739/mo
Today · 4.125%
HK$125,750
baseline
▲ 0.50% · 4.625%
HK$133,402
+HK$7,652/mo
Deposit HK$11.12M · loan HK$25.95M · min. income ≈ HK$251,500/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,575,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,641
−HK$7,112/mo
▼ 0.25% · 3.875%
HK$135,171
−HK$3,582/mo
Today · 4.125%
HK$138,753
baseline
▲ 0.50% · 4.625%
HK$146,067
+HK$7,314/mo
Deposit HK$11.12M · loan HK$25.95M · min. income ≈ HK$277,506/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,575,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,139
−HK$9,540/mo
▼ 0.25% · 3.875%
HK$156,871
−HK$4,808/mo
Today · 4.125%
HK$161,679
baseline
▲ 0.50% · 4.625%
HK$171,517
+HK$9,838/mo
Deposit HK$3.71M · loan HK$33.36M · min. income ≈ HK$323,358/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,253
−HK$9,144/mo
▼ 0.25% · 3.875%
HK$173,792
−HK$4,605/mo
Today · 4.125%
HK$178,397
baseline
▲ 0.50% · 4.625%
HK$187,800
+HK$9,403/mo
Deposit HK$3.71M · loan HK$33.36M · min. income ≈ HK$356,794/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,332 · Scale 2, in force from 26 Feb 2026)