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$84,634
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$87,267
−HK$2,674/mo
Today · 4.125%
HK$89,941
baseline
▲ 0.50% · 4.625%
HK$95,414
+HK$5,473/mo
Deposit HK$18.56M · loan HK$18.56M · min. income ≈ HK$179,882/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,577,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,155
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,680
−HK$2,561/mo
Today · 4.125%
HK$99,241
baseline
▲ 0.50% · 4.625%
HK$104,473
+HK$5,232/mo
Deposit HK$18.56M · loan HK$18.56M · min. income ≈ HK$198,482/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,577,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,561
−HK$6,369/mo
▼ 0.25% · 3.875%
HK$104,720
−HK$3,210/mo
Today · 4.125%
HK$107,930
baseline
▲ 0.50% · 4.625%
HK$114,497
+HK$6,567/mo
Deposit HK$14.85M · loan HK$22.27M · min. income ≈ HK$215,860/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,577,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,985
−HK$6,105/mo
▼ 0.25% · 3.875%
HK$116,016
−HK$3,074/mo
Today · 4.125%
HK$119,090
baseline
▲ 0.50% · 4.625%
HK$125,367
+HK$6,277/mo
Deposit HK$14.85M · loan HK$22.27M · min. income ≈ HK$238,180/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,577,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,488
−HK$7,430/mo
▼ 0.25% · 3.875%
HK$122,173
−HK$3,745/mo
Today · 4.125%
HK$125,918
baseline
▲ 0.50% · 4.625%
HK$133,580
+HK$7,662/mo
Deposit HK$11.13M · loan HK$25.98M · min. income ≈ HK$251,836/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,577,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,816
−HK$7,122/mo
▼ 0.25% · 3.875%
HK$135,352
−HK$3,586/mo
Today · 4.125%
HK$138,938
baseline
▲ 0.50% · 4.625%
HK$146,262
+HK$7,324/mo
Deposit HK$11.13M · loan HK$25.98M · min. income ≈ HK$277,876/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,577,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,341
−HK$9,553/mo
▼ 0.25% · 3.875%
HK$157,080
−HK$4,814/mo
Today · 4.125%
HK$161,894
baseline
▲ 0.50% · 4.625%
HK$171,745
+HK$9,851/mo
Deposit HK$3.71M · loan HK$33.40M · min. income ≈ HK$323,788/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,577,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,478
−HK$9,157/mo
▼ 0.25% · 3.875%
HK$174,023
−HK$4,612/mo
Today · 4.125%
HK$178,635
baseline
▲ 0.50% · 4.625%
HK$188,051
+HK$9,416/mo
Deposit HK$3.71M · loan HK$33.40M · min. income ≈ HK$357,270/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,577,431 · Scale 2, in force from 26 Feb 2026)