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$84,347
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,970
−HK$2,666/mo
Today · 4.125%
HK$89,636
baseline
▲ 0.50% · 4.625%
HK$95,090
+HK$5,454/mo
Deposit HK$18.49M · loan HK$18.49M · min. income ≈ HK$179,272/mo (50% DSR)
Upfront cash ≈ HK$20.07M (deposit + AVD stamp duty HK$1,572,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,835
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$96,351
−HK$2,553/mo
Today · 4.125%
HK$98,904
baseline
▲ 0.50% · 4.625%
HK$104,118
+HK$5,214/mo
Deposit HK$18.49M · loan HK$18.49M · min. income ≈ HK$197,808/mo (50% DSR)
Upfront cash ≈ HK$20.07M (deposit + AVD stamp duty HK$1,572,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,216
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$104,364
−HK$3,199/mo
Today · 4.125%
HK$107,563
baseline
▲ 0.50% · 4.625%
HK$114,108
+HK$6,545/mo
Deposit HK$14.80M · loan HK$22.19M · min. income ≈ HK$215,126/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,572,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,602
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$115,622
−HK$3,063/mo
Today · 4.125%
HK$118,685
baseline
▲ 0.50% · 4.625%
HK$124,941
+HK$6,256/mo
Deposit HK$14.80M · loan HK$22.19M · min. income ≈ HK$237,370/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,572,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,085
−HK$7,405/mo
▼ 0.25% · 3.875%
HK$121,758
−HK$3,732/mo
Today · 4.125%
HK$125,490
baseline
▲ 0.50% · 4.625%
HK$133,126
+HK$7,636/mo
Deposit HK$11.10M · loan HK$25.89M · min. income ≈ HK$250,980/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,572,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,369
−HK$7,097/mo
▼ 0.25% · 3.875%
HK$134,892
−HK$3,574/mo
Today · 4.125%
HK$138,466
baseline
▲ 0.50% · 4.625%
HK$145,765
+HK$7,299/mo
Deposit HK$11.10M · loan HK$25.89M · min. income ≈ HK$276,932/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,572,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,824
−HK$9,521/mo
▼ 0.25% · 3.875%
HK$156,546
−HK$4,799/mo
Today · 4.125%
HK$161,345
baseline
▲ 0.50% · 4.625%
HK$171,162
+HK$9,817/mo
Deposit HK$3.70M · loan HK$33.29M · min. income ≈ HK$322,690/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,572,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,903
−HK$9,125/mo
▼ 0.25% · 3.875%
HK$173,432
−HK$4,596/mo
Today · 4.125%
HK$178,028
baseline
▲ 0.50% · 4.625%
HK$187,412
+HK$9,384/mo
Deposit HK$3.70M · loan HK$33.29M · min. income ≈ HK$356,056/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,572,074 · Scale 2, in force from 26 Feb 2026)