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$84,162
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$86,780
−HK$2,659/mo
Today · 4.125%
HK$89,439
baseline
▲ 0.50% · 4.625%
HK$94,882
+HK$5,443/mo
Deposit HK$18.45M · loan HK$18.45M · min. income ≈ HK$178,878/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,568,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,629
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$96,140
−HK$2,548/mo
Today · 4.125%
HK$98,688
baseline
▲ 0.50% · 4.625%
HK$103,889
+HK$5,201/mo
Deposit HK$18.45M · loan HK$18.45M · min. income ≈ HK$197,376/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,568,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,994
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$104,136
−HK$3,191/mo
Today · 4.125%
HK$107,327
baseline
▲ 0.50% · 4.625%
HK$113,858
+HK$6,531/mo
Deposit HK$14.76M · loan HK$22.15M · min. income ≈ HK$214,654/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,568,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,355
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$115,368
−HK$3,057/mo
Today · 4.125%
HK$118,425
baseline
▲ 0.50% · 4.625%
HK$124,667
+HK$6,242/mo
Deposit HK$14.76M · loan HK$22.15M · min. income ≈ HK$236,850/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,568,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,826
−HK$7,389/mo
▼ 0.25% · 3.875%
HK$121,491
−HK$3,724/mo
Today · 4.125%
HK$125,215
baseline
▲ 0.50% · 4.625%
HK$132,834
+HK$7,619/mo
Deposit HK$11.07M · loan HK$25.84M · min. income ≈ HK$250,430/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,568,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,081
−HK$7,082/mo
▼ 0.25% · 3.875%
HK$134,596
−HK$3,567/mo
Today · 4.125%
HK$138,163
baseline
▲ 0.50% · 4.625%
HK$145,445
+HK$7,282/mo
Deposit HK$11.07M · loan HK$25.84M · min. income ≈ HK$276,326/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,568,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,491
−HK$9,500/mo
▼ 0.25% · 3.875%
HK$156,203
−HK$4,788/mo
Today · 4.125%
HK$160,991
baseline
▲ 0.50% · 4.625%
HK$170,787
+HK$9,796/mo
Deposit HK$3.69M · loan HK$33.22M · min. income ≈ HK$321,982/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,568,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,532
−HK$9,106/mo
▼ 0.25% · 3.875%
HK$173,052
−HK$4,586/mo
Today · 4.125%
HK$177,638
baseline
▲ 0.50% · 4.625%
HK$187,001
+HK$9,363/mo
Deposit HK$3.69M · loan HK$33.22M · min. income ≈ HK$355,276/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,568,628 · Scale 2, in force from 26 Feb 2026)