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$84,619
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,251
−HK$2,674/mo
Today · 4.125%
HK$89,925
baseline
▲ 0.50% · 4.625%
HK$95,397
+HK$5,472/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$179,850/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,577,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,137
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,662
−HK$2,561/mo
Today · 4.125%
HK$99,223
baseline
▲ 0.50% · 4.625%
HK$104,453
+HK$5,230/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$198,446/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,577,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,542
−HK$6,368/mo
▼ 0.25% · 3.875%
HK$104,701
−HK$3,209/mo
Today · 4.125%
HK$107,910
baseline
▲ 0.50% · 4.625%
HK$114,476
+HK$6,566/mo
Deposit HK$14.84M · loan HK$22.27M · min. income ≈ HK$215,820/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,577,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,965
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$115,994
−HK$3,074/mo
Today · 4.125%
HK$119,068
baseline
▲ 0.50% · 4.625%
HK$125,344
+HK$6,276/mo
Deposit HK$14.84M · loan HK$22.27M · min. income ≈ HK$238,136/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,577,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,466
−HK$7,429/mo
▼ 0.25% · 3.875%
HK$122,151
−HK$3,744/mo
Today · 4.125%
HK$125,895
baseline
▲ 0.50% · 4.625%
HK$133,555
+HK$7,660/mo
Deposit HK$11.13M · loan HK$25.98M · min. income ≈ HK$251,790/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,577,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,792
−HK$7,121/mo
▼ 0.25% · 3.875%
HK$135,327
−HK$3,586/mo
Today · 4.125%
HK$138,913
baseline
▲ 0.50% · 4.625%
HK$146,235
+HK$7,322/mo
Deposit HK$11.13M · loan HK$25.98M · min. income ≈ HK$277,826/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,577,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,313
−HK$9,552/mo
▼ 0.25% · 3.875%
HK$157,051
−HK$4,814/mo
Today · 4.125%
HK$161,865
baseline
▲ 0.50% · 4.625%
HK$171,714
+HK$9,849/mo
Deposit HK$3.71M · loan HK$33.40M · min. income ≈ HK$323,730/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,577,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,447
−HK$9,155/mo
▼ 0.25% · 3.875%
HK$173,992
−HK$4,610/mo
Today · 4.125%
HK$178,602
baseline
▲ 0.50% · 4.625%
HK$188,016
+HK$9,414/mo
Deposit HK$3.71M · loan HK$33.40M · min. income ≈ HK$357,204/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,577,144 · Scale 2, in force from 26 Feb 2026)