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$84,534
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$87,163
−HK$2,672/mo
Today · 4.125%
HK$89,835
baseline
▲ 0.50% · 4.625%
HK$95,301
+HK$5,466/mo
Deposit HK$18.54M · loan HK$18.54M · min. income ≈ HK$179,670/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,575,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,043
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$96,565
−HK$2,559/mo
Today · 4.125%
HK$99,124
baseline
▲ 0.50% · 4.625%
HK$104,349
+HK$5,225/mo
Deposit HK$18.54M · loan HK$18.54M · min. income ≈ HK$198,248/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,575,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,440
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$104,596
−HK$3,206/mo
Today · 4.125%
HK$107,802
baseline
▲ 0.50% · 4.625%
HK$114,361
+HK$6,559/mo
Deposit HK$14.83M · loan HK$22.24M · min. income ≈ HK$215,604/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,575,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,851
−HK$6,097/mo
▼ 0.25% · 3.875%
HK$115,878
−HK$3,070/mo
Today · 4.125%
HK$118,948
baseline
▲ 0.50% · 4.625%
HK$125,218
+HK$6,270/mo
Deposit HK$14.83M · loan HK$22.24M · min. income ≈ HK$237,896/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,575,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,347
−HK$7,421/mo
▼ 0.25% · 3.875%
HK$122,028
−HK$3,740/mo
Today · 4.125%
HK$125,768
baseline
▲ 0.50% · 4.625%
HK$133,421
+HK$7,653/mo
Deposit HK$11.12M · loan HK$25.95M · min. income ≈ HK$251,536/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,575,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,660
−HK$7,113/mo
▼ 0.25% · 3.875%
HK$135,191
−HK$3,582/mo
Today · 4.125%
HK$138,773
baseline
▲ 0.50% · 4.625%
HK$146,088
+HK$7,315/mo
Deposit HK$11.12M · loan HK$25.95M · min. income ≈ HK$277,546/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,575,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,161
−HK$9,541/mo
▼ 0.25% · 3.875%
HK$156,894
−HK$4,808/mo
Today · 4.125%
HK$161,702
baseline
▲ 0.50% · 4.625%
HK$171,542
+HK$9,840/mo
Deposit HK$3.71M · loan HK$33.36M · min. income ≈ HK$323,404/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,277
−HK$9,146/mo
▼ 0.25% · 3.875%
HK$173,817
−HK$4,606/mo
Today · 4.125%
HK$178,423
baseline
▲ 0.50% · 4.625%
HK$187,827
+HK$9,404/mo
Deposit HK$3.71M · loan HK$33.36M · min. income ≈ HK$356,846/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,560 · Scale 2, in force from 26 Feb 2026)