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$84,602
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,233
−HK$2,674/mo
Today · 4.125%
HK$89,907
baseline
▲ 0.50% · 4.625%
HK$95,378
+HK$5,471/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$179,814/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,576,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,119
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$96,643
−HK$2,561/mo
Today · 4.125%
HK$99,204
baseline
▲ 0.50% · 4.625%
HK$104,433
+HK$5,229/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$198,408/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,576,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,522
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$104,680
−HK$3,209/mo
Today · 4.125%
HK$107,889
baseline
▲ 0.50% · 4.625%
HK$114,453
+HK$6,564/mo
Deposit HK$14.84M · loan HK$22.26M · min. income ≈ HK$215,778/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,576,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,942
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$115,972
−HK$3,072/mo
Today · 4.125%
HK$119,044
baseline
▲ 0.50% · 4.625%
HK$125,319
+HK$6,275/mo
Deposit HK$14.84M · loan HK$22.26M · min. income ≈ HK$238,088/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,576,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,443
−HK$7,427/mo
▼ 0.25% · 3.875%
HK$122,127
−HK$3,743/mo
Today · 4.125%
HK$125,870
baseline
▲ 0.50% · 4.625%
HK$133,529
+HK$7,659/mo
Deposit HK$11.13M · loan HK$25.97M · min. income ≈ HK$251,740/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,576,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,766
−HK$7,119/mo
▼ 0.25% · 3.875%
HK$135,300
−HK$3,585/mo
Today · 4.125%
HK$138,885
baseline
▲ 0.50% · 4.625%
HK$146,206
+HK$7,321/mo
Deposit HK$11.13M · loan HK$25.97M · min. income ≈ HK$277,770/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,576,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,283
−HK$9,550/mo
▼ 0.25% · 3.875%
HK$157,020
−HK$4,813/mo
Today · 4.125%
HK$161,833
baseline
▲ 0.50% · 4.625%
HK$171,680
+HK$9,847/mo
Deposit HK$3.71M · loan HK$33.39M · min. income ≈ HK$323,666/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,576,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,414
−HK$9,153/mo
▼ 0.25% · 3.875%
HK$173,957
−HK$4,610/mo
Today · 4.125%
HK$178,567
baseline
▲ 0.50% · 4.625%
HK$187,979
+HK$9,412/mo
Deposit HK$3.71M · loan HK$33.39M · min. income ≈ HK$357,134/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,576,832 · Scale 2, in force from 26 Feb 2026)