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$84,530
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$87,159
−HK$2,671/mo
Today · 4.125%
HK$89,830
baseline
▲ 0.50% · 4.625%
HK$95,296
+HK$5,466/mo
Deposit HK$18.54M · loan HK$18.54M · min. income ≈ HK$179,660/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,575,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,038
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$96,560
−HK$2,559/mo
Today · 4.125%
HK$99,119
baseline
▲ 0.50% · 4.625%
HK$104,344
+HK$5,225/mo
Deposit HK$18.54M · loan HK$18.54M · min. income ≈ HK$198,238/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,575,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,436
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$104,591
−HK$3,206/mo
Today · 4.125%
HK$107,797
baseline
▲ 0.50% · 4.625%
HK$114,356
+HK$6,559/mo
Deposit HK$14.83M · loan HK$22.24M · min. income ≈ HK$215,594/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,575,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,846
−HK$6,097/mo
▼ 0.25% · 3.875%
HK$115,873
−HK$3,070/mo
Today · 4.125%
HK$118,943
baseline
▲ 0.50% · 4.625%
HK$125,212
+HK$6,269/mo
Deposit HK$14.83M · loan HK$22.24M · min. income ≈ HK$237,886/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,575,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,342
−HK$7,421/mo
▼ 0.25% · 3.875%
HK$122,023
−HK$3,740/mo
Today · 4.125%
HK$125,763
baseline
▲ 0.50% · 4.625%
HK$133,415
+HK$7,652/mo
Deposit HK$11.12M · loan HK$25.95M · min. income ≈ HK$251,526/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,575,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,654
−HK$7,113/mo
▼ 0.25% · 3.875%
HK$135,185
−HK$3,582/mo
Today · 4.125%
HK$138,767
baseline
▲ 0.50% · 4.625%
HK$146,081
+HK$7,314/mo
Deposit HK$11.12M · loan HK$25.95M · min. income ≈ HK$277,534/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,575,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,153
−HK$9,542/mo
▼ 0.25% · 3.875%
HK$156,886
−HK$4,809/mo
Today · 4.125%
HK$161,695
baseline
▲ 0.50% · 4.625%
HK$171,534
+HK$9,839/mo
Deposit HK$3.71M · loan HK$33.36M · min. income ≈ HK$323,390/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,269
−HK$9,145/mo
▼ 0.25% · 3.875%
HK$173,809
−HK$4,605/mo
Today · 4.125%
HK$178,414
baseline
▲ 0.50% · 4.625%
HK$187,819
+HK$9,405/mo
Deposit HK$3.71M · loan HK$33.36M · min. income ≈ HK$356,828/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,486 · Scale 2, in force from 26 Feb 2026)