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$84,665
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$87,299
−HK$2,676/mo
Today · 4.125%
HK$89,975
baseline
▲ 0.50% · 4.625%
HK$95,449
+HK$5,474/mo
Deposit HK$18.56M · loan HK$18.56M · min. income ≈ HK$179,950/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,578,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,189
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$96,715
−HK$2,563/mo
Today · 4.125%
HK$99,278
baseline
▲ 0.50% · 4.625%
HK$104,511
+HK$5,233/mo
Deposit HK$18.56M · loan HK$18.56M · min. income ≈ HK$198,556/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,578,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,598
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$104,759
−HK$3,210/mo
Today · 4.125%
HK$107,969
baseline
▲ 0.50% · 4.625%
HK$114,539
+HK$6,570/mo
Deposit HK$14.85M · loan HK$22.28M · min. income ≈ HK$215,938/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,578,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,027
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$116,058
−HK$3,076/mo
Today · 4.125%
HK$119,134
baseline
▲ 0.50% · 4.625%
HK$125,413
+HK$6,279/mo
Deposit HK$14.85M · loan HK$22.28M · min. income ≈ HK$238,268/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,578,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,531
−HK$7,433/mo
▼ 0.25% · 3.875%
HK$122,218
−HK$3,746/mo
Today · 4.125%
HK$125,964
baseline
▲ 0.50% · 4.625%
HK$133,629
+HK$7,665/mo
Deposit HK$11.14M · loan HK$25.99M · min. income ≈ HK$251,928/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,578,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,865
−HK$7,124/mo
▼ 0.25% · 3.875%
HK$135,402
−HK$3,587/mo
Today · 4.125%
HK$138,989
baseline
▲ 0.50% · 4.625%
HK$146,316
+HK$7,327/mo
Deposit HK$11.14M · loan HK$25.99M · min. income ≈ HK$277,978/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,578,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,398
−HK$9,556/mo
▼ 0.25% · 3.875%
HK$157,138
−HK$4,816/mo
Today · 4.125%
HK$161,954
baseline
▲ 0.50% · 4.625%
HK$171,809
+HK$9,855/mo
Deposit HK$3.71M · loan HK$33.42M · min. income ≈ HK$323,908/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,578,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,541
−HK$9,160/mo
▼ 0.25% · 3.875%
HK$174,088
−HK$4,613/mo
Today · 4.125%
HK$178,701
baseline
▲ 0.50% · 4.625%
HK$188,120
+HK$9,419/mo
Deposit HK$3.71M · loan HK$33.42M · min. income ≈ HK$357,402/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,578,014 · Scale 2, in force from 26 Feb 2026)