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$84,274
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$86,896
−HK$2,663/mo
Today · 4.125%
HK$89,559
baseline
▲ 0.50% · 4.625%
HK$95,008
+HK$5,449/mo
Deposit HK$18.48M · loan HK$18.48M · min. income ≈ HK$179,118/mo (50% DSR)
Upfront cash ≈ HK$20.05M (deposit + AVD stamp duty HK$1,570,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,754
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$96,269
−HK$2,550/mo
Today · 4.125%
HK$98,819
baseline
▲ 0.50% · 4.625%
HK$104,028
+HK$5,209/mo
Deposit HK$18.48M · loan HK$18.48M · min. income ≈ HK$197,638/mo (50% DSR)
Upfront cash ≈ HK$20.05M (deposit + AVD stamp duty HK$1,570,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,129
−HK$6,342/mo
▼ 0.25% · 3.875%
HK$104,275
−HK$3,196/mo
Today · 4.125%
HK$107,471
baseline
▲ 0.50% · 4.625%
HK$114,010
+HK$6,539/mo
Deposit HK$14.78M · loan HK$22.17M · min. income ≈ HK$214,942/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,570,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,505
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$115,522
−HK$3,061/mo
Today · 4.125%
HK$118,583
baseline
▲ 0.50% · 4.625%
HK$124,834
+HK$6,251/mo
Deposit HK$14.78M · loan HK$22.17M · min. income ≈ HK$237,166/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,570,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,984
−HK$7,399/mo
▼ 0.25% · 3.875%
HK$121,654
−HK$3,729/mo
Today · 4.125%
HK$125,383
baseline
▲ 0.50% · 4.625%
HK$133,012
+HK$7,629/mo
Deposit HK$11.09M · loan HK$25.87M · min. income ≈ HK$250,766/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,570,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,256
−HK$7,091/mo
▼ 0.25% · 3.875%
HK$134,776
−HK$3,571/mo
Today · 4.125%
HK$138,347
baseline
▲ 0.50% · 4.625%
HK$145,640
+HK$7,293/mo
Deposit HK$11.09M · loan HK$25.87M · min. income ≈ HK$276,694/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,570,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,694
−HK$9,512/mo
▼ 0.25% · 3.875%
HK$156,412
−HK$4,794/mo
Today · 4.125%
HK$161,206
baseline
▲ 0.50% · 4.625%
HK$171,015
+HK$9,809/mo
Deposit HK$3.70M · loan HK$33.26M · min. income ≈ HK$322,412/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,570,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,758
−HK$9,117/mo
▼ 0.25% · 3.875%
HK$173,284
−HK$4,591/mo
Today · 4.125%
HK$177,875
baseline
▲ 0.50% · 4.625%
HK$187,251
+HK$9,376/mo
Deposit HK$3.70M · loan HK$33.26M · min. income ≈ HK$355,750/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,570,725 · Scale 2, in force from 26 Feb 2026)