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$84,044
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,658
−HK$2,656/mo
Today · 4.125%
HK$89,314
baseline
▲ 0.50% · 4.625%
HK$94,749
+HK$5,435/mo
Deposit HK$18.43M · loan HK$18.43M · min. income ≈ HK$178,628/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$1,566,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,498
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$96,006
−HK$2,543/mo
Today · 4.125%
HK$98,549
baseline
▲ 0.50% · 4.625%
HK$103,744
+HK$5,195/mo
Deposit HK$18.43M · loan HK$18.43M · min. income ≈ HK$197,098/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$1,566,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,853
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$103,990
−HK$3,187/mo
Today · 4.125%
HK$107,177
baseline
▲ 0.50% · 4.625%
HK$113,699
+HK$6,522/mo
Deposit HK$14.74M · loan HK$22.11M · min. income ≈ HK$214,354/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,566,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,198
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$115,207
−HK$3,052/mo
Today · 4.125%
HK$118,259
baseline
▲ 0.50% · 4.625%
HK$124,493
+HK$6,234/mo
Deposit HK$14.74M · loan HK$22.11M · min. income ≈ HK$236,518/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,566,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,662
−HK$7,378/mo
▼ 0.25% · 3.875%
HK$121,322
−HK$3,718/mo
Today · 4.125%
HK$125,040
baseline
▲ 0.50% · 4.625%
HK$132,648
+HK$7,608/mo
Deposit HK$11.06M · loan HK$25.80M · min. income ≈ HK$250,080/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,566,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,897
−HK$7,072/mo
▼ 0.25% · 3.875%
HK$134,408
−HK$3,561/mo
Today · 4.125%
HK$137,969
baseline
▲ 0.50% · 4.625%
HK$145,242
+HK$7,273/mo
Deposit HK$11.06M · loan HK$25.80M · min. income ≈ HK$275,938/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,566,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,279
−HK$9,487/mo
▼ 0.25% · 3.875%
HK$155,985
−HK$4,781/mo
Today · 4.125%
HK$160,766
baseline
▲ 0.50% · 4.625%
HK$170,548
+HK$9,782/mo
Deposit HK$3.69M · loan HK$33.17M · min. income ≈ HK$321,532/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,566,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,297
−HK$9,092/mo
▼ 0.25% · 3.875%
HK$172,810
−HK$4,579/mo
Today · 4.125%
HK$177,389
baseline
▲ 0.50% · 4.625%
HK$186,740
+HK$9,351/mo
Deposit HK$3.69M · loan HK$33.17M · min. income ≈ HK$354,778/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,566,433 · Scale 2, in force from 26 Feb 2026)