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$84,123
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$86,739
−HK$2,659/mo
Today · 4.125%
HK$89,398
baseline
▲ 0.50% · 4.625%
HK$94,837
+HK$5,439/mo
Deposit HK$18.45M · loan HK$18.45M · min. income ≈ HK$178,796/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,567,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,586
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$96,095
−HK$2,547/mo
Today · 4.125%
HK$98,642
baseline
▲ 0.50% · 4.625%
HK$103,841
+HK$5,199/mo
Deposit HK$18.45M · loan HK$18.45M · min. income ≈ HK$197,284/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,567,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,947
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$104,087
−HK$3,190/mo
Today · 4.125%
HK$107,277
baseline
▲ 0.50% · 4.625%
HK$113,805
+HK$6,528/mo
Deposit HK$14.76M · loan HK$22.14M · min. income ≈ HK$214,554/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,567,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,303
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$115,315
−HK$3,055/mo
Today · 4.125%
HK$118,370
baseline
▲ 0.50% · 4.625%
HK$124,609
+HK$6,239/mo
Deposit HK$14.76M · loan HK$22.14M · min. income ≈ HK$236,740/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,567,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,772
−HK$7,385/mo
▼ 0.25% · 3.875%
HK$121,435
−HK$3,722/mo
Today · 4.125%
HK$125,157
baseline
▲ 0.50% · 4.625%
HK$132,772
+HK$7,615/mo
Deposit HK$11.07M · loan HK$25.82M · min. income ≈ HK$250,314/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,567,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,020
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$134,534
−HK$3,564/mo
Today · 4.125%
HK$138,098
baseline
▲ 0.50% · 4.625%
HK$145,378
+HK$7,280/mo
Deposit HK$11.07M · loan HK$25.82M · min. income ≈ HK$276,196/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,567,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,421
−HK$9,495/mo
▼ 0.25% · 3.875%
HK$156,131
−HK$4,785/mo
Today · 4.125%
HK$160,916
baseline
▲ 0.50% · 4.625%
HK$170,707
+HK$9,791/mo
Deposit HK$3.69M · loan HK$33.20M · min. income ≈ HK$321,832/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,567,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,454
−HK$9,101/mo
▼ 0.25% · 3.875%
HK$172,972
−HK$4,583/mo
Today · 4.125%
HK$177,555
baseline
▲ 0.50% · 4.625%
HK$186,914
+HK$9,359/mo
Deposit HK$3.69M · loan HK$33.20M · min. income ≈ HK$355,110/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,567,899 · Scale 2, in force from 26 Feb 2026)