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$84,261
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$86,881
−HK$2,663/mo
Today · 4.125%
HK$89,544
baseline
▲ 0.50% · 4.625%
HK$94,993
+HK$5,449/mo
Deposit HK$18.48M · loan HK$18.48M · min. income ≈ HK$179,088/mo (50% DSR)
Upfront cash ≈ HK$20.05M (deposit + AVD stamp duty HK$1,570,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,739
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$96,253
−HK$2,550/mo
Today · 4.125%
HK$98,803
baseline
▲ 0.50% · 4.625%
HK$104,011
+HK$5,208/mo
Deposit HK$18.48M · loan HK$18.48M · min. income ≈ HK$197,606/mo (50% DSR)
Upfront cash ≈ HK$20.05M (deposit + AVD stamp duty HK$1,570,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,113
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$104,258
−HK$3,195/mo
Today · 4.125%
HK$107,453
baseline
▲ 0.50% · 4.625%
HK$113,992
+HK$6,539/mo
Deposit HK$14.78M · loan HK$22.17M · min. income ≈ HK$214,906/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,570,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,487
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$115,504
−HK$3,060/mo
Today · 4.125%
HK$118,564
baseline
▲ 0.50% · 4.625%
HK$124,814
+HK$6,250/mo
Deposit HK$14.78M · loan HK$22.17M · min. income ≈ HK$237,128/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,570,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,965
−HK$7,397/mo
▼ 0.25% · 3.875%
HK$121,634
−HK$3,728/mo
Today · 4.125%
HK$125,362
baseline
▲ 0.50% · 4.625%
HK$132,990
+HK$7,628/mo
Deposit HK$11.09M · loan HK$25.87M · min. income ≈ HK$250,724/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,570,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,235
−HK$7,090/mo
▼ 0.25% · 3.875%
HK$134,754
−HK$3,571/mo
Today · 4.125%
HK$138,325
baseline
▲ 0.50% · 4.625%
HK$145,616
+HK$7,291/mo
Deposit HK$11.09M · loan HK$25.87M · min. income ≈ HK$276,650/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,570,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,669
−HK$9,511/mo
▼ 0.25% · 3.875%
HK$156,387
−HK$4,793/mo
Today · 4.125%
HK$161,180
baseline
▲ 0.50% · 4.625%
HK$170,987
+HK$9,807/mo
Deposit HK$3.70M · loan HK$33.26M · min. income ≈ HK$322,360/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,570,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,730
−HK$9,116/mo
▼ 0.25% · 3.875%
HK$173,255
−HK$4,591/mo
Today · 4.125%
HK$177,846
baseline
▲ 0.50% · 4.625%
HK$187,221
+HK$9,375/mo
Deposit HK$3.70M · loan HK$33.26M · min. income ≈ HK$355,692/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,570,469 · Scale 2, in force from 26 Feb 2026)