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$84,562
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$87,192
−HK$2,673/mo
Today · 4.125%
HK$89,865
baseline
▲ 0.50% · 4.625%
HK$95,333
+HK$5,468/mo
Deposit HK$18.54M · loan HK$18.54M · min. income ≈ HK$179,730/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,576,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,074
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,597
−HK$2,560/mo
Today · 4.125%
HK$99,157
baseline
▲ 0.50% · 4.625%
HK$104,383
+HK$5,226/mo
Deposit HK$18.54M · loan HK$18.54M · min. income ≈ HK$198,314/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,576,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,474
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$104,631
−HK$3,207/mo
Today · 4.125%
HK$107,838
baseline
▲ 0.50% · 4.625%
HK$114,399
+HK$6,561/mo
Deposit HK$14.83M · loan HK$22.25M · min. income ≈ HK$215,676/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,576,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,889
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$115,917
−HK$3,071/mo
Today · 4.125%
HK$118,988
baseline
▲ 0.50% · 4.625%
HK$125,260
+HK$6,272/mo
Deposit HK$14.83M · loan HK$22.25M · min. income ≈ HK$237,976/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,576,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,387
−HK$7,423/mo
▼ 0.25% · 3.875%
HK$122,069
−HK$3,741/mo
Today · 4.125%
HK$125,810
baseline
▲ 0.50% · 4.625%
HK$133,466
+HK$7,656/mo
Deposit HK$11.13M · loan HK$25.96M · min. income ≈ HK$251,620/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,576,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,704
−HK$7,115/mo
▼ 0.25% · 3.875%
HK$135,236
−HK$3,583/mo
Today · 4.125%
HK$138,819
baseline
▲ 0.50% · 4.625%
HK$146,137
+HK$7,318/mo
Deposit HK$11.13M · loan HK$25.96M · min. income ≈ HK$277,638/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,576,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,211
−HK$9,545/mo
▼ 0.25% · 3.875%
HK$156,946
−HK$4,810/mo
Today · 4.125%
HK$161,756
baseline
▲ 0.50% · 4.625%
HK$171,599
+HK$9,843/mo
Deposit HK$3.71M · loan HK$33.38M · min. income ≈ HK$323,512/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,576,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,334
−HK$9,148/mo
▼ 0.25% · 3.875%
HK$173,875
−HK$4,607/mo
Today · 4.125%
HK$178,482
baseline
▲ 0.50% · 4.625%
HK$187,890
+HK$9,408/mo
Deposit HK$3.71M · loan HK$33.38M · min. income ≈ HK$356,964/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,576,085 · Scale 2, in force from 26 Feb 2026)