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$84,218
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$86,837
−HK$2,662/mo
Today · 4.125%
HK$89,499
baseline
▲ 0.50% · 4.625%
HK$94,945
+HK$5,446/mo
Deposit HK$18.47M · loan HK$18.47M · min. income ≈ HK$178,998/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,569,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,691
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$96,204
−HK$2,549/mo
Today · 4.125%
HK$98,753
baseline
▲ 0.50% · 4.625%
HK$103,959
+HK$5,206/mo
Deposit HK$18.47M · loan HK$18.47M · min. income ≈ HK$197,506/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,569,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,061
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$104,205
−HK$3,194/mo
Today · 4.125%
HK$107,399
baseline
▲ 0.50% · 4.625%
HK$113,934
+HK$6,535/mo
Deposit HK$14.77M · loan HK$22.16M · min. income ≈ HK$214,798/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,569,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,430
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$115,445
−HK$3,059/mo
Today · 4.125%
HK$118,504
baseline
▲ 0.50% · 4.625%
HK$124,750
+HK$6,246/mo
Deposit HK$14.77M · loan HK$22.16M · min. income ≈ HK$237,008/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,569,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,905
−HK$7,394/mo
▼ 0.25% · 3.875%
HK$121,572
−HK$3,727/mo
Today · 4.125%
HK$125,299
baseline
▲ 0.50% · 4.625%
HK$132,923
+HK$7,624/mo
Deposit HK$11.08M · loan HK$25.85M · min. income ≈ HK$250,598/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,569,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,168
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$134,686
−HK$3,569/mo
Today · 4.125%
HK$138,255
baseline
▲ 0.50% · 4.625%
HK$145,542
+HK$7,287/mo
Deposit HK$11.08M · loan HK$25.85M · min. income ≈ HK$276,510/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,569,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,592
−HK$9,506/mo
▼ 0.25% · 3.875%
HK$156,307
−HK$4,791/mo
Today · 4.125%
HK$161,098
baseline
▲ 0.50% · 4.625%
HK$170,901
+HK$9,803/mo
Deposit HK$3.69M · loan HK$33.24M · min. income ≈ HK$322,196/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,569,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,645
−HK$9,111/mo
▼ 0.25% · 3.875%
HK$173,167
−HK$4,589/mo
Today · 4.125%
HK$177,756
baseline
▲ 0.50% · 4.625%
HK$187,126
+HK$9,370/mo
Deposit HK$3.69M · loan HK$33.24M · min. income ≈ HK$355,512/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,569,672 · Scale 2, in force from 26 Feb 2026)