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$84,160
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$86,778
−HK$2,659/mo
Today · 4.125%
HK$89,437
baseline
▲ 0.50% · 4.625%
HK$94,879
+HK$5,442/mo
Deposit HK$18.45M · loan HK$18.45M · min. income ≈ HK$178,874/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,568,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,627
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$96,138
−HK$2,547/mo
Today · 4.125%
HK$98,685
baseline
▲ 0.50% · 4.625%
HK$103,887
+HK$5,202/mo
Deposit HK$18.45M · loan HK$18.45M · min. income ≈ HK$197,370/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,568,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,992
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$104,133
−HK$3,192/mo
Today · 4.125%
HK$107,325
baseline
▲ 0.50% · 4.625%
HK$113,855
+HK$6,530/mo
Deposit HK$14.76M · loan HK$22.14M · min. income ≈ HK$214,650/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,568,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,352
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$115,365
−HK$3,057/mo
Today · 4.125%
HK$118,422
baseline
▲ 0.50% · 4.625%
HK$124,664
+HK$6,242/mo
Deposit HK$14.76M · loan HK$22.14M · min. income ≈ HK$236,844/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,568,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,824
−HK$7,388/mo
▼ 0.25% · 3.875%
HK$121,489
−HK$3,723/mo
Today · 4.125%
HK$125,212
baseline
▲ 0.50% · 4.625%
HK$132,831
+HK$7,619/mo
Deposit HK$11.07M · loan HK$25.84M · min. income ≈ HK$250,424/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,568,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,078
−HK$7,081/mo
▼ 0.25% · 3.875%
HK$134,593
−HK$3,566/mo
Today · 4.125%
HK$138,159
baseline
▲ 0.50% · 4.625%
HK$145,442
+HK$7,283/mo
Deposit HK$11.07M · loan HK$25.84M · min. income ≈ HK$276,318/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,568,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,487
−HK$9,500/mo
▼ 0.25% · 3.875%
HK$156,200
−HK$4,787/mo
Today · 4.125%
HK$160,987
baseline
▲ 0.50% · 4.625%
HK$170,783
+HK$9,796/mo
Deposit HK$3.69M · loan HK$33.22M · min. income ≈ HK$321,974/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,568,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,528
−HK$9,105/mo
▼ 0.25% · 3.875%
HK$173,048
−HK$4,585/mo
Today · 4.125%
HK$177,633
baseline
▲ 0.50% · 4.625%
HK$186,997
+HK$9,364/mo
Deposit HK$3.69M · loan HK$33.22M · min. income ≈ HK$355,266/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,568,590 · Scale 2, in force from 26 Feb 2026)