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$84,469
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$87,096
−HK$2,670/mo
Today · 4.125%
HK$89,766
baseline
▲ 0.50% · 4.625%
HK$95,228
+HK$5,462/mo
Deposit HK$18.52M · loan HK$18.52M · min. income ≈ HK$179,532/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,574,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,971
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,491
−HK$2,557/mo
Today · 4.125%
HK$99,048
baseline
▲ 0.50% · 4.625%
HK$104,269
+HK$5,221/mo
Deposit HK$18.52M · loan HK$18.52M · min. income ≈ HK$198,096/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,574,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,363
−HK$6,356/mo
▼ 0.25% · 3.875%
HK$104,516
−HK$3,203/mo
Today · 4.125%
HK$107,719
baseline
▲ 0.50% · 4.625%
HK$114,273
+HK$6,554/mo
Deposit HK$14.82M · loan HK$22.23M · min. income ≈ HK$215,438/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,574,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,765
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$115,789
−HK$3,068/mo
Today · 4.125%
HK$118,857
baseline
▲ 0.50% · 4.625%
HK$125,122
+HK$6,265/mo
Deposit HK$14.82M · loan HK$22.23M · min. income ≈ HK$237,714/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,574,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,256
−HK$7,416/mo
▼ 0.25% · 3.875%
HK$121,935
−HK$3,737/mo
Today · 4.125%
HK$125,672
baseline
▲ 0.50% · 4.625%
HK$133,319
+HK$7,647/mo
Deposit HK$11.11M · loan HK$25.93M · min. income ≈ HK$251,344/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,574,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,559
−HK$7,108/mo
▼ 0.25% · 3.875%
HK$135,087
−HK$3,580/mo
Today · 4.125%
HK$138,667
baseline
▲ 0.50% · 4.625%
HK$145,976
+HK$7,309/mo
Deposit HK$11.11M · loan HK$25.93M · min. income ≈ HK$277,334/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,574,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,044
−HK$9,535/mo
▼ 0.25% · 3.875%
HK$156,773
−HK$4,806/mo
Today · 4.125%
HK$161,579
baseline
▲ 0.50% · 4.625%
HK$171,410
+HK$9,831/mo
Deposit HK$3.70M · loan HK$33.34M · min. income ≈ HK$323,158/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,574,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,147
−HK$9,139/mo
▼ 0.25% · 3.875%
HK$173,684
−HK$4,602/mo
Today · 4.125%
HK$178,286
baseline
▲ 0.50% · 4.625%
HK$187,684
+HK$9,398/mo
Deposit HK$3.70M · loan HK$33.34M · min. income ≈ HK$356,572/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,574,353 · Scale 2, in force from 26 Feb 2026)