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$84,019
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$86,633
−HK$2,655/mo
Today · 4.125%
HK$89,288
baseline
▲ 0.50% · 4.625%
HK$94,721
+HK$5,433/mo
Deposit HK$18.42M · loan HK$18.42M · min. income ≈ HK$178,576/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,565,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,471
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$95,978
−HK$2,543/mo
Today · 4.125%
HK$98,521
baseline
▲ 0.50% · 4.625%
HK$103,714
+HK$5,193/mo
Deposit HK$18.42M · loan HK$18.42M · min. income ≈ HK$197,042/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,565,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,823
−HK$6,323/mo
▼ 0.25% · 3.875%
HK$103,959
−HK$3,187/mo
Today · 4.125%
HK$107,146
baseline
▲ 0.50% · 4.625%
HK$113,665
+HK$6,519/mo
Deposit HK$14.74M · loan HK$22.11M · min. income ≈ HK$214,292/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,565,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,165
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$115,173
−HK$3,052/mo
Today · 4.125%
HK$118,225
baseline
▲ 0.50% · 4.625%
HK$124,457
+HK$6,232/mo
Deposit HK$14.74M · loan HK$22.11M · min. income ≈ HK$236,450/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,565,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,627
−HK$7,376/mo
▼ 0.25% · 3.875%
HK$121,286
−HK$3,717/mo
Today · 4.125%
HK$125,003
baseline
▲ 0.50% · 4.625%
HK$132,610
+HK$7,607/mo
Deposit HK$11.05M · loan HK$25.79M · min. income ≈ HK$250,006/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,565,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,859
−HK$7,070/mo
▼ 0.25% · 3.875%
HK$134,369
−HK$3,560/mo
Today · 4.125%
HK$137,929
baseline
▲ 0.50% · 4.625%
HK$145,199
+HK$7,270/mo
Deposit HK$11.05M · loan HK$25.79M · min. income ≈ HK$275,858/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,565,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,235
−HK$9,484/mo
▼ 0.25% · 3.875%
HK$155,939
−HK$4,780/mo
Today · 4.125%
HK$160,719
baseline
▲ 0.50% · 4.625%
HK$170,498
+HK$9,779/mo
Deposit HK$3.68M · loan HK$33.16M · min. income ≈ HK$321,438/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,565,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,247
−HK$9,090/mo
▼ 0.25% · 3.875%
HK$172,760
−HK$4,577/mo
Today · 4.125%
HK$177,337
baseline
▲ 0.50% · 4.625%
HK$186,685
+HK$9,348/mo
Deposit HK$3.68M · loan HK$33.16M · min. income ≈ HK$354,674/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,565,976 · Scale 2, in force from 26 Feb 2026)