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$84,676
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$87,309
−HK$2,676/mo
Today · 4.125%
HK$89,985
baseline
▲ 0.50% · 4.625%
HK$95,461
+HK$5,476/mo
Deposit HK$18.57M · loan HK$18.57M · min. income ≈ HK$179,970/mo (50% DSR)
Upfront cash ≈ HK$20.15M (deposit + AVD stamp duty HK$1,578,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,201
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$96,727
−HK$2,563/mo
Today · 4.125%
HK$99,290
baseline
▲ 0.50% · 4.625%
HK$104,524
+HK$5,234/mo
Deposit HK$18.57M · loan HK$18.57M · min. income ≈ HK$198,580/mo (50% DSR)
Upfront cash ≈ HK$20.15M (deposit + AVD stamp duty HK$1,578,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,611
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$104,771
−HK$3,211/mo
Today · 4.125%
HK$107,982
baseline
▲ 0.50% · 4.625%
HK$114,553
+HK$6,571/mo
Deposit HK$14.85M · loan HK$22.28M · min. income ≈ HK$215,964/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,578,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,041
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$116,072
−HK$3,076/mo
Today · 4.125%
HK$119,148
baseline
▲ 0.50% · 4.625%
HK$125,428
+HK$6,280/mo
Deposit HK$14.85M · loan HK$22.28M · min. income ≈ HK$238,296/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,578,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,546
−HK$7,434/mo
▼ 0.25% · 3.875%
HK$122,233
−HK$3,747/mo
Today · 4.125%
HK$125,980
baseline
▲ 0.50% · 4.625%
HK$133,645
+HK$7,665/mo
Deposit HK$11.14M · loan HK$25.99M · min. income ≈ HK$251,960/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,578,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,881
−HK$7,125/mo
▼ 0.25% · 3.875%
HK$135,418
−HK$3,588/mo
Today · 4.125%
HK$139,006
baseline
▲ 0.50% · 4.625%
HK$146,333
+HK$7,327/mo
Deposit HK$11.14M · loan HK$25.99M · min. income ≈ HK$278,012/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,578,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,416
−HK$9,558/mo
▼ 0.25% · 3.875%
HK$157,157
−HK$4,817/mo
Today · 4.125%
HK$161,974
baseline
▲ 0.50% · 4.625%
HK$171,829
+HK$9,855/mo
Deposit HK$3.71M · loan HK$33.42M · min. income ≈ HK$323,948/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,578,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,561
−HK$9,161/mo
▼ 0.25% · 3.875%
HK$174,109
−HK$4,613/mo
Today · 4.125%
HK$178,722
baseline
▲ 0.50% · 4.625%
HK$188,143
+HK$9,421/mo
Deposit HK$3.71M · loan HK$33.42M · min. income ≈ HK$357,444/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,578,204 · Scale 2, in force from 26 Feb 2026)