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$84,181
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,799
−HK$2,660/mo
Today · 4.125%
HK$89,459
baseline
▲ 0.50% · 4.625%
HK$94,903
+HK$5,444/mo
Deposit HK$18.46M · loan HK$18.46M · min. income ≈ HK$178,918/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$1,568,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,650
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$96,162
−HK$2,548/mo
Today · 4.125%
HK$98,710
baseline
▲ 0.50% · 4.625%
HK$103,913
+HK$5,203/mo
Deposit HK$18.46M · loan HK$18.46M · min. income ≈ HK$197,420/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$1,568,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,017
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$104,159
−HK$3,192/mo
Today · 4.125%
HK$107,351
baseline
▲ 0.50% · 4.625%
HK$113,883
+HK$6,532/mo
Deposit HK$14.77M · loan HK$22.15M · min. income ≈ HK$214,702/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,568,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,380
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$115,394
−HK$3,058/mo
Today · 4.125%
HK$118,452
baseline
▲ 0.50% · 4.625%
HK$124,695
+HK$6,243/mo
Deposit HK$14.77M · loan HK$22.15M · min. income ≈ HK$236,904/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,568,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,853
−HK$7,390/mo
▼ 0.25% · 3.875%
HK$121,519
−HK$3,724/mo
Today · 4.125%
HK$125,243
baseline
▲ 0.50% · 4.625%
HK$132,864
+HK$7,621/mo
Deposit HK$11.08M · loan HK$25.84M · min. income ≈ HK$250,486/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,568,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,110
−HK$7,084/mo
▼ 0.25% · 3.875%
HK$134,626
−HK$3,568/mo
Today · 4.125%
HK$138,194
baseline
▲ 0.50% · 4.625%
HK$145,478
+HK$7,284/mo
Deposit HK$11.08M · loan HK$25.84M · min. income ≈ HK$276,388/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,568,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,525
−HK$9,502/mo
▼ 0.25% · 3.875%
HK$156,238
−HK$4,789/mo
Today · 4.125%
HK$161,027
baseline
▲ 0.50% · 4.625%
HK$170,825
+HK$9,798/mo
Deposit HK$3.69M · loan HK$33.23M · min. income ≈ HK$322,054/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,568,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,570
−HK$9,107/mo
▼ 0.25% · 3.875%
HK$173,091
−HK$4,586/mo
Today · 4.125%
HK$177,677
baseline
▲ 0.50% · 4.625%
HK$187,043
+HK$9,366/mo
Deposit HK$3.69M · loan HK$33.23M · min. income ≈ HK$355,354/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,568,980 · Scale 2, in force from 26 Feb 2026)