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$84,422
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$87,048
−HK$2,668/mo
Today · 4.125%
HK$89,716
baseline
▲ 0.50% · 4.625%
HK$95,175
+HK$5,459/mo
Deposit HK$18.51M · loan HK$18.51M · min. income ≈ HK$179,432/mo (50% DSR)
Upfront cash ≈ HK$20.09M (deposit + AVD stamp duty HK$1,573,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,919
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,438
−HK$2,555/mo
Today · 4.125%
HK$98,993
baseline
▲ 0.50% · 4.625%
HK$104,211
+HK$5,218/mo
Deposit HK$18.51M · loan HK$18.51M · min. income ≈ HK$197,986/mo (50% DSR)
Upfront cash ≈ HK$20.09M (deposit + AVD stamp duty HK$1,573,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,307
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$104,458
−HK$3,201/mo
Today · 4.125%
HK$107,659
baseline
▲ 0.50% · 4.625%
HK$114,210
+HK$6,551/mo
Deposit HK$14.81M · loan HK$22.21M · min. income ≈ HK$215,318/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,573,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,703
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$115,725
−HK$3,067/mo
Today · 4.125%
HK$118,792
baseline
▲ 0.50% · 4.625%
HK$125,053
+HK$6,261/mo
Deposit HK$14.81M · loan HK$22.21M · min. income ≈ HK$237,584/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,573,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,191
−HK$7,412/mo
▼ 0.25% · 3.875%
HK$121,867
−HK$3,736/mo
Today · 4.125%
HK$125,603
baseline
▲ 0.50% · 4.625%
HK$133,245
+HK$7,642/mo
Deposit HK$11.11M · loan HK$25.92M · min. income ≈ HK$251,206/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,573,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,486
−HK$7,104/mo
▼ 0.25% · 3.875%
HK$135,013
−HK$3,577/mo
Today · 4.125%
HK$138,590
baseline
▲ 0.50% · 4.625%
HK$145,895
+HK$7,305/mo
Deposit HK$11.11M · loan HK$25.92M · min. income ≈ HK$277,180/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,573,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,960
−HK$9,529/mo
▼ 0.25% · 3.875%
HK$156,687
−HK$4,802/mo
Today · 4.125%
HK$161,489
baseline
▲ 0.50% · 4.625%
HK$171,315
+HK$9,826/mo
Deposit HK$3.70M · loan HK$33.32M · min. income ≈ HK$322,978/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,573,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,054
−HK$9,133/mo
▼ 0.25% · 3.875%
HK$173,588
−HK$4,599/mo
Today · 4.125%
HK$178,187
baseline
▲ 0.50% · 4.625%
HK$187,580
+HK$9,393/mo
Deposit HK$3.70M · loan HK$33.32M · min. income ≈ HK$356,374/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,573,482 · Scale 2, in force from 26 Feb 2026)