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$84,617
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,249
−HK$2,674/mo
Today · 4.125%
HK$89,923
baseline
▲ 0.50% · 4.625%
HK$95,394
+HK$5,471/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$179,846/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,577,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,135
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,660
−HK$2,561/mo
Today · 4.125%
HK$99,221
baseline
▲ 0.50% · 4.625%
HK$104,451
+HK$5,230/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$198,442/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,577,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,540
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$104,698
−HK$3,209/mo
Today · 4.125%
HK$107,907
baseline
▲ 0.50% · 4.625%
HK$114,473
+HK$6,566/mo
Deposit HK$14.84M · loan HK$22.27M · min. income ≈ HK$215,814/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,577,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,962
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$115,992
−HK$3,073/mo
Today · 4.125%
HK$119,065
baseline
▲ 0.50% · 4.625%
HK$125,341
+HK$6,276/mo
Deposit HK$14.84M · loan HK$22.27M · min. income ≈ HK$238,130/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,577,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,463
−HK$7,429/mo
▼ 0.25% · 3.875%
HK$122,148
−HK$3,744/mo
Today · 4.125%
HK$125,892
baseline
▲ 0.50% · 4.625%
HK$133,552
+HK$7,660/mo
Deposit HK$11.13M · loan HK$25.98M · min. income ≈ HK$251,784/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,577,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,789
−HK$7,120/mo
▼ 0.25% · 3.875%
HK$135,324
−HK$3,585/mo
Today · 4.125%
HK$138,909
baseline
▲ 0.50% · 4.625%
HK$146,232
+HK$7,323/mo
Deposit HK$11.13M · loan HK$25.98M · min. income ≈ HK$277,818/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,577,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,310
−HK$9,551/mo
▼ 0.25% · 3.875%
HK$157,048
−HK$4,813/mo
Today · 4.125%
HK$161,861
baseline
▲ 0.50% · 4.625%
HK$171,710
+HK$9,849/mo
Deposit HK$3.71M · loan HK$33.40M · min. income ≈ HK$323,722/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,577,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,443
−HK$9,155/mo
▼ 0.25% · 3.875%
HK$173,988
−HK$4,610/mo
Today · 4.125%
HK$178,598
baseline
▲ 0.50% · 4.625%
HK$188,012
+HK$9,414/mo
Deposit HK$3.71M · loan HK$33.40M · min. income ≈ HK$357,196/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,577,107 · Scale 2, in force from 26 Feb 2026)