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$84,488
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,116
−HK$2,670/mo
Today · 4.125%
HK$89,786
baseline
▲ 0.50% · 4.625%
HK$95,250
+HK$5,464/mo
Deposit HK$18.53M · loan HK$18.53M · min. income ≈ HK$179,572/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,574,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,992
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,513
−HK$2,557/mo
Today · 4.125%
HK$99,070
baseline
▲ 0.50% · 4.625%
HK$104,292
+HK$5,222/mo
Deposit HK$18.53M · loan HK$18.53M · min. income ≈ HK$198,140/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,574,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,386
−HK$6,358/mo
▼ 0.25% · 3.875%
HK$104,539
−HK$3,205/mo
Today · 4.125%
HK$107,744
baseline
▲ 0.50% · 4.625%
HK$114,300
+HK$6,556/mo
Deposit HK$14.82M · loan HK$22.23M · min. income ≈ HK$215,488/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,574,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,791
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$115,816
−HK$3,068/mo
Today · 4.125%
HK$118,884
baseline
▲ 0.50% · 4.625%
HK$125,151
+HK$6,267/mo
Deposit HK$14.82M · loan HK$22.23M · min. income ≈ HK$237,768/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,574,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,283
−HK$7,418/mo
▼ 0.25% · 3.875%
HK$121,963
−HK$3,738/mo
Today · 4.125%
HK$125,701
baseline
▲ 0.50% · 4.625%
HK$133,349
+HK$7,648/mo
Deposit HK$11.12M · loan HK$25.94M · min. income ≈ HK$251,402/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,574,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,589
−HK$7,109/mo
▼ 0.25% · 3.875%
HK$135,118
−HK$3,580/mo
Today · 4.125%
HK$138,698
baseline
▲ 0.50% · 4.625%
HK$146,009
+HK$7,311/mo
Deposit HK$11.12M · loan HK$25.94M · min. income ≈ HK$277,396/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,574,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,079
−HK$9,536/mo
▼ 0.25% · 3.875%
HK$156,809
−HK$4,806/mo
Today · 4.125%
HK$161,615
baseline
▲ 0.50% · 4.625%
HK$171,449
+HK$9,834/mo
Deposit HK$3.71M · loan HK$33.35M · min. income ≈ HK$323,230/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,574,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,186
−HK$9,141/mo
▼ 0.25% · 3.875%
HK$173,723
−HK$4,604/mo
Today · 4.125%
HK$178,327
baseline
▲ 0.50% · 4.625%
HK$187,726
+HK$9,399/mo
Deposit HK$3.71M · loan HK$33.35M · min. income ≈ HK$356,654/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,574,712 · Scale 2, in force from 26 Feb 2026)