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$84,638
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$87,271
−HK$2,675/mo
Today · 4.125%
HK$89,946
baseline
▲ 0.50% · 4.625%
HK$95,419
+HK$5,473/mo
Deposit HK$18.56M · loan HK$18.56M · min. income ≈ HK$179,892/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,577,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,159
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$96,684
−HK$2,562/mo
Today · 4.125%
HK$99,246
baseline
▲ 0.50% · 4.625%
HK$104,478
+HK$5,232/mo
Deposit HK$18.56M · loan HK$18.56M · min. income ≈ HK$198,492/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,577,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,566
−HK$6,369/mo
▼ 0.25% · 3.875%
HK$104,725
−HK$3,210/mo
Today · 4.125%
HK$107,935
baseline
▲ 0.50% · 4.625%
HK$114,502
+HK$6,567/mo
Deposit HK$14.85M · loan HK$22.27M · min. income ≈ HK$215,870/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,577,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,991
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$116,021
−HK$3,074/mo
Today · 4.125%
HK$119,095
baseline
▲ 0.50% · 4.625%
HK$125,373
+HK$6,278/mo
Deposit HK$14.85M · loan HK$22.27M · min. income ≈ HK$238,190/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,577,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,493
−HK$7,431/mo
▼ 0.25% · 3.875%
HK$122,179
−HK$3,745/mo
Today · 4.125%
HK$125,924
baseline
▲ 0.50% · 4.625%
HK$133,586
+HK$7,662/mo
Deposit HK$11.14M · loan HK$25.98M · min. income ≈ HK$251,848/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,577,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,823
−HK$7,122/mo
▼ 0.25% · 3.875%
HK$135,358
−HK$3,587/mo
Today · 4.125%
HK$138,945
baseline
▲ 0.50% · 4.625%
HK$146,269
+HK$7,324/mo
Deposit HK$11.14M · loan HK$25.98M · min. income ≈ HK$277,890/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,577,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,349
−HK$9,553/mo
▼ 0.25% · 3.875%
HK$157,087
−HK$4,815/mo
Today · 4.125%
HK$161,902
baseline
▲ 0.50% · 4.625%
HK$171,753
+HK$9,851/mo
Deposit HK$3.71M · loan HK$33.41M · min. income ≈ HK$323,804/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,577,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,486
−HK$9,157/mo
▼ 0.25% · 3.875%
HK$174,032
−HK$4,611/mo
Today · 4.125%
HK$178,643
baseline
▲ 0.50% · 4.625%
HK$188,060
+HK$9,417/mo
Deposit HK$3.71M · loan HK$33.41M · min. income ≈ HK$357,286/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,577,506 · Scale 2, in force from 26 Feb 2026)