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$84,087
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$86,703
−HK$2,657/mo
Today · 4.125%
HK$89,360
baseline
▲ 0.50% · 4.625%
HK$94,797
+HK$5,437/mo
Deposit HK$18.44M · loan HK$18.44M · min. income ≈ HK$178,720/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,567,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,546
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$96,055
−HK$2,545/mo
Today · 4.125%
HK$98,600
baseline
▲ 0.50% · 4.625%
HK$103,797
+HK$5,197/mo
Deposit HK$18.44M · loan HK$18.44M · min. income ≈ HK$197,200/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,567,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,904
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$104,043
−HK$3,189/mo
Today · 4.125%
HK$107,232
baseline
▲ 0.50% · 4.625%
HK$113,757
+HK$6,525/mo
Deposit HK$14.75M · loan HK$22.13M · min. income ≈ HK$214,464/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,567,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,255
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$115,266
−HK$3,054/mo
Today · 4.125%
HK$118,320
baseline
▲ 0.50% · 4.625%
HK$124,557
+HK$6,237/mo
Deposit HK$14.75M · loan HK$22.13M · min. income ≈ HK$236,640/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,567,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,722
−HK$7,382/mo
▼ 0.25% · 3.875%
HK$121,384
−HK$3,720/mo
Today · 4.125%
HK$125,104
baseline
▲ 0.50% · 4.625%
HK$132,716
+HK$7,612/mo
Deposit HK$11.06M · loan HK$25.81M · min. income ≈ HK$250,208/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,567,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,964
−HK$7,076/mo
▼ 0.25% · 3.875%
HK$134,477
−HK$3,563/mo
Today · 4.125%
HK$138,040
baseline
▲ 0.50% · 4.625%
HK$145,316
+HK$7,276/mo
Deposit HK$11.06M · loan HK$25.81M · min. income ≈ HK$276,080/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,567,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,357
−HK$9,491/mo
▼ 0.25% · 3.875%
HK$156,065
−HK$4,783/mo
Today · 4.125%
HK$160,848
baseline
▲ 0.50% · 4.625%
HK$170,635
+HK$9,787/mo
Deposit HK$3.69M · loan HK$33.19M · min. income ≈ HK$321,696/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,567,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,383
−HK$9,097/mo
▼ 0.25% · 3.875%
HK$172,899
−HK$4,581/mo
Today · 4.125%
HK$177,480
baseline
▲ 0.50% · 4.625%
HK$186,835
+HK$9,355/mo
Deposit HK$3.69M · loan HK$33.19M · min. income ≈ HK$354,960/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,567,235 · Scale 2, in force from 26 Feb 2026)