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$84,101
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,717
−HK$2,658/mo
Today · 4.125%
HK$89,375
baseline
▲ 0.50% · 4.625%
HK$94,813
+HK$5,438/mo
Deposit HK$18.44M · loan HK$18.44M · min. income ≈ HK$178,750/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,567,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,562
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,071
−HK$2,546/mo
Today · 4.125%
HK$98,617
baseline
▲ 0.50% · 4.625%
HK$103,815
+HK$5,198/mo
Deposit HK$18.44M · loan HK$18.44M · min. income ≈ HK$197,234/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,567,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,922
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$104,061
−HK$3,189/mo
Today · 4.125%
HK$107,250
baseline
▲ 0.50% · 4.625%
HK$113,776
+HK$6,526/mo
Deposit HK$14.75M · loan HK$22.13M · min. income ≈ HK$214,500/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,567,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,274
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$115,285
−HK$3,055/mo
Today · 4.125%
HK$118,340
baseline
▲ 0.50% · 4.625%
HK$124,578
+HK$6,238/mo
Deposit HK$14.75M · loan HK$22.13M · min. income ≈ HK$236,680/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,567,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,742
−HK$7,383/mo
▼ 0.25% · 3.875%
HK$121,404
−HK$3,721/mo
Today · 4.125%
HK$125,125
baseline
▲ 0.50% · 4.625%
HK$132,739
+HK$7,614/mo
Deposit HK$11.06M · loan HK$25.82M · min. income ≈ HK$250,250/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,567,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,987
−HK$7,076/mo
▼ 0.25% · 3.875%
HK$134,500
−HK$3,563/mo
Today · 4.125%
HK$138,063
baseline
▲ 0.50% · 4.625%
HK$145,341
+HK$7,278/mo
Deposit HK$11.06M · loan HK$25.82M · min. income ≈ HK$276,126/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,567,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,382
−HK$9,493/mo
▼ 0.25% · 3.875%
HK$156,091
−HK$4,784/mo
Today · 4.125%
HK$160,875
baseline
▲ 0.50% · 4.625%
HK$170,664
+HK$9,789/mo
Deposit HK$3.69M · loan HK$33.19M · min. income ≈ HK$321,750/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,567,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,411
−HK$9,099/mo
▼ 0.25% · 3.875%
HK$172,928
−HK$4,582/mo
Today · 4.125%
HK$177,510
baseline
▲ 0.50% · 4.625%
HK$186,867
+HK$9,357/mo
Deposit HK$3.69M · loan HK$33.19M · min. income ≈ HK$355,020/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,567,501 · Scale 2, in force from 26 Feb 2026)