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$84,197
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$86,816
−HK$2,661/mo
Today · 4.125%
HK$89,477
baseline
▲ 0.50% · 4.625%
HK$94,922
+HK$5,445/mo
Deposit HK$18.46M · loan HK$18.46M · min. income ≈ HK$178,954/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$1,569,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,669
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$96,181
−HK$2,548/mo
Today · 4.125%
HK$98,729
baseline
▲ 0.50% · 4.625%
HK$103,934
+HK$5,205/mo
Deposit HK$18.46M · loan HK$18.46M · min. income ≈ HK$197,458/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$1,569,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,037
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$104,180
−HK$3,193/mo
Today · 4.125%
HK$107,373
baseline
▲ 0.50% · 4.625%
HK$113,906
+HK$6,533/mo
Deposit HK$14.77M · loan HK$22.15M · min. income ≈ HK$214,746/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,569,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,403
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$115,417
−HK$3,058/mo
Today · 4.125%
HK$118,475
baseline
▲ 0.50% · 4.625%
HK$124,720
+HK$6,245/mo
Deposit HK$14.77M · loan HK$22.15M · min. income ≈ HK$236,950/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,569,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,876
−HK$7,392/mo
▼ 0.25% · 3.875%
HK$121,543
−HK$3,725/mo
Today · 4.125%
HK$125,268
baseline
▲ 0.50% · 4.625%
HK$132,891
+HK$7,623/mo
Deposit HK$11.08M · loan HK$25.85M · min. income ≈ HK$250,536/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,569,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,136
−HK$7,085/mo
▼ 0.25% · 3.875%
HK$134,653
−HK$3,568/mo
Today · 4.125%
HK$138,221
baseline
▲ 0.50% · 4.625%
HK$145,507
+HK$7,286/mo
Deposit HK$11.08M · loan HK$25.85M · min. income ≈ HK$276,442/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,569,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,555
−HK$9,504/mo
▼ 0.25% · 3.875%
HK$156,270
−HK$4,789/mo
Today · 4.125%
HK$161,059
baseline
▲ 0.50% · 4.625%
HK$170,859
+HK$9,800/mo
Deposit HK$3.69M · loan HK$33.23M · min. income ≈ HK$322,118/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,569,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,604
−HK$9,109/mo
▼ 0.25% · 3.875%
HK$173,126
−HK$4,587/mo
Today · 4.125%
HK$177,713
baseline
▲ 0.50% · 4.625%
HK$187,080
+HK$9,367/mo
Deposit HK$3.69M · loan HK$33.23M · min. income ≈ HK$355,426/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,569,293 · Scale 2, in force from 26 Feb 2026)