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$84,041
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,655
−HK$2,656/mo
Today · 4.125%
HK$89,311
baseline
▲ 0.50% · 4.625%
HK$94,746
+HK$5,435/mo
Deposit HK$18.43M · loan HK$18.43M · min. income ≈ HK$178,622/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,566,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,495
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$96,002
−HK$2,544/mo
Today · 4.125%
HK$98,546
baseline
▲ 0.50% · 4.625%
HK$103,741
+HK$5,195/mo
Deposit HK$18.43M · loan HK$18.43M · min. income ≈ HK$197,092/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,566,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,849
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$103,986
−HK$3,188/mo
Today · 4.125%
HK$107,174
baseline
▲ 0.50% · 4.625%
HK$113,695
+HK$6,521/mo
Deposit HK$14.74M · loan HK$22.11M · min. income ≈ HK$214,348/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,566,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,194
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$115,203
−HK$3,052/mo
Today · 4.125%
HK$118,255
baseline
▲ 0.50% · 4.625%
HK$124,489
+HK$6,234/mo
Deposit HK$14.74M · loan HK$22.11M · min. income ≈ HK$236,510/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,566,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,658
−HK$7,378/mo
▼ 0.25% · 3.875%
HK$121,317
−HK$3,719/mo
Today · 4.125%
HK$125,036
baseline
▲ 0.50% · 4.625%
HK$132,644
+HK$7,608/mo
Deposit HK$11.06M · loan HK$25.80M · min. income ≈ HK$250,072/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,566,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,893
−HK$7,072/mo
▼ 0.25% · 3.875%
HK$134,403
−HK$3,562/mo
Today · 4.125%
HK$137,965
baseline
▲ 0.50% · 4.625%
HK$145,237
+HK$7,272/mo
Deposit HK$11.06M · loan HK$25.80M · min. income ≈ HK$275,930/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,566,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,274
−HK$9,486/mo
▼ 0.25% · 3.875%
HK$155,980
−HK$4,780/mo
Today · 4.125%
HK$160,760
baseline
▲ 0.50% · 4.625%
HK$170,542
+HK$9,782/mo
Deposit HK$3.69M · loan HK$33.17M · min. income ≈ HK$321,520/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,566,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,291
−HK$9,092/mo
▼ 0.25% · 3.875%
HK$172,804
−HK$4,579/mo
Today · 4.125%
HK$177,383
baseline
▲ 0.50% · 4.625%
HK$186,733
+HK$9,350/mo
Deposit HK$3.69M · loan HK$33.17M · min. income ≈ HK$354,766/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,566,381 · Scale 2, in force from 26 Feb 2026)