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$84,111
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$86,728
−HK$2,658/mo
Today · 4.125%
HK$89,386
baseline
▲ 0.50% · 4.625%
HK$94,825
+HK$5,439/mo
Deposit HK$18.44M · loan HK$18.44M · min. income ≈ HK$178,772/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,567,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,573
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,083
−HK$2,545/mo
Today · 4.125%
HK$98,628
baseline
▲ 0.50% · 4.625%
HK$103,827
+HK$5,199/mo
Deposit HK$18.44M · loan HK$18.44M · min. income ≈ HK$197,256/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,567,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,934
−HK$6,329/mo
▼ 0.25% · 3.875%
HK$104,073
−HK$3,190/mo
Today · 4.125%
HK$107,263
baseline
▲ 0.50% · 4.625%
HK$113,790
+HK$6,527/mo
Deposit HK$14.75M · loan HK$22.13M · min. income ≈ HK$214,526/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,567,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,288
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$115,299
−HK$3,055/mo
Today · 4.125%
HK$118,354
baseline
▲ 0.50% · 4.625%
HK$124,593
+HK$6,239/mo
Deposit HK$14.75M · loan HK$22.13M · min. income ≈ HK$236,708/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,567,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,756
−HK$7,384/mo
▼ 0.25% · 3.875%
HK$121,419
−HK$3,721/mo
Today · 4.125%
HK$125,140
baseline
▲ 0.50% · 4.625%
HK$132,755
+HK$7,615/mo
Deposit HK$11.07M · loan HK$25.82M · min. income ≈ HK$250,280/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,567,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,002
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$134,516
−HK$3,564/mo
Today · 4.125%
HK$138,080
baseline
▲ 0.50% · 4.625%
HK$145,358
+HK$7,278/mo
Deposit HK$11.07M · loan HK$25.82M · min. income ≈ HK$276,160/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,567,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,400
−HK$9,495/mo
▼ 0.25% · 3.875%
HK$156,110
−HK$4,785/mo
Today · 4.125%
HK$160,895
baseline
▲ 0.50% · 4.625%
HK$170,685
+HK$9,790/mo
Deposit HK$3.69M · loan HK$33.20M · min. income ≈ HK$321,790/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,567,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,431
−HK$9,100/mo
▼ 0.25% · 3.875%
HK$172,949
−HK$4,582/mo
Today · 4.125%
HK$177,531
baseline
▲ 0.50% · 4.625%
HK$186,889
+HK$9,358/mo
Deposit HK$3.69M · loan HK$33.20M · min. income ≈ HK$355,062/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,567,689 · Scale 2, in force from 26 Feb 2026)