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$84,255
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$86,876
−HK$2,663/mo
Today · 4.125%
HK$89,539
baseline
▲ 0.50% · 4.625%
HK$94,987
+HK$5,448/mo
Deposit HK$18.47M · loan HK$18.47M · min. income ≈ HK$179,078/mo (50% DSR)
Upfront cash ≈ HK$20.05M (deposit + AVD stamp duty HK$1,570,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,733
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$96,247
−HK$2,550/mo
Today · 4.125%
HK$98,797
baseline
▲ 0.50% · 4.625%
HK$104,005
+HK$5,208/mo
Deposit HK$18.47M · loan HK$18.47M · min. income ≈ HK$197,594/mo (50% DSR)
Upfront cash ≈ HK$20.05M (deposit + AVD stamp duty HK$1,570,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,106
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$104,251
−HK$3,196/mo
Today · 4.125%
HK$107,447
baseline
▲ 0.50% · 4.625%
HK$113,985
+HK$6,538/mo
Deposit HK$14.78M · loan HK$22.17M · min. income ≈ HK$214,894/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,570,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,480
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$115,497
−HK$3,060/mo
Today · 4.125%
HK$118,557
baseline
▲ 0.50% · 4.625%
HK$124,806
+HK$6,249/mo
Deposit HK$14.78M · loan HK$22.17M · min. income ≈ HK$237,114/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,570,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,958
−HK$7,397/mo
▼ 0.25% · 3.875%
HK$121,627
−HK$3,728/mo
Today · 4.125%
HK$125,355
baseline
▲ 0.50% · 4.625%
HK$132,982
+HK$7,627/mo
Deposit HK$11.08M · loan HK$25.86M · min. income ≈ HK$250,710/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,570,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,227
−HK$7,089/mo
▼ 0.25% · 3.875%
HK$134,746
−HK$3,570/mo
Today · 4.125%
HK$138,316
baseline
▲ 0.50% · 4.625%
HK$145,607
+HK$7,291/mo
Deposit HK$11.08M · loan HK$25.86M · min. income ≈ HK$276,632/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,570,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,660
−HK$9,510/mo
▼ 0.25% · 3.875%
HK$156,377
−HK$4,793/mo
Today · 4.125%
HK$161,170
baseline
▲ 0.50% · 4.625%
HK$170,977
+HK$9,807/mo
Deposit HK$3.69M · loan HK$33.25M · min. income ≈ HK$322,340/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,570,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,720
−HK$9,115/mo
▼ 0.25% · 3.875%
HK$173,245
−HK$4,590/mo
Today · 4.125%
HK$177,835
baseline
▲ 0.50% · 4.625%
HK$187,209
+HK$9,374/mo
Deposit HK$3.69M · loan HK$33.25M · min. income ≈ HK$355,670/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,570,374 · Scale 2, in force from 26 Feb 2026)