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$5,310/mo
▼ 0.25% · 3.875%
HK$87,310
−HK$2,676/mo
Today · 4.125%
HK$89,986
baseline
▲ 0.50% · 4.625%
HK$95,462
+HK$5,476/mo
Deposit HK$18.57M · loan HK$18.57M · min. income ≈ HK$179,972/mo (50% DSR)
Upfront cash ≈ HK$20.15M (deposit + AVD stamp duty HK$1,578,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,201
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$96,728
−HK$2,563/mo
Today · 4.125%
HK$99,291
baseline
▲ 0.50% · 4.625%
HK$104,525
+HK$5,234/mo
Deposit HK$18.57M · loan HK$18.57M · min. income ≈ HK$198,582/mo (50% DSR)
Upfront cash ≈ HK$20.15M (deposit + AVD stamp duty HK$1,578,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,612
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$104,772
−HK$3,211/mo
Today · 4.125%
HK$107,983
baseline
▲ 0.50% · 4.625%
HK$114,554
+HK$6,571/mo
Deposit HK$14.85M · loan HK$22.28M · min. income ≈ HK$215,966/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,578,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,042
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$116,073
−HK$3,076/mo
Today · 4.125%
HK$119,149
baseline
▲ 0.50% · 4.625%
HK$125,430
+HK$6,281/mo
Deposit HK$14.85M · loan HK$22.28M · min. income ≈ HK$238,298/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,578,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,547
−HK$7,434/mo
▼ 0.25% · 3.875%
HK$122,234
−HK$3,747/mo
Today · 4.125%
HK$125,981
baseline
▲ 0.50% · 4.625%
HK$133,646
+HK$7,665/mo
Deposit HK$11.14M · loan HK$25.99M · min. income ≈ HK$251,962/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,578,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,882
−HK$7,125/mo
▼ 0.25% · 3.875%
HK$135,419
−HK$3,588/mo
Today · 4.125%
HK$139,007
baseline
▲ 0.50% · 4.625%
HK$146,335
+HK$7,328/mo
Deposit HK$11.14M · loan HK$25.99M · min. income ≈ HK$278,014/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,578,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,417
−HK$9,558/mo
▼ 0.25% · 3.875%
HK$157,158
−HK$4,817/mo
Today · 4.125%
HK$161,975
baseline
▲ 0.50% · 4.625%
HK$171,831
+HK$9,856/mo
Deposit HK$3.71M · loan HK$33.42M · min. income ≈ HK$323,950/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,578,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,563
−HK$9,161/mo
▼ 0.25% · 3.875%
HK$174,110
−HK$4,614/mo
Today · 4.125%
HK$178,724
baseline
▲ 0.50% · 4.625%
HK$188,144
+HK$9,420/mo
Deposit HK$3.71M · loan HK$33.42M · min. income ≈ HK$357,448/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,578,218 · Scale 2, in force from 26 Feb 2026)