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$84,317
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$86,939
−HK$2,665/mo
Today · 4.125%
HK$89,604
baseline
▲ 0.50% · 4.625%
HK$95,056
+HK$5,452/mo
Deposit HK$18.49M · loan HK$18.49M · min. income ≈ HK$179,208/mo (50% DSR)
Upfront cash ≈ HK$20.06M (deposit + AVD stamp duty HK$1,571,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,801
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$96,317
−HK$2,552/mo
Today · 4.125%
HK$98,869
baseline
▲ 0.50% · 4.625%
HK$104,081
+HK$5,212/mo
Deposit HK$18.49M · loan HK$18.49M · min. income ≈ HK$197,738/mo (50% DSR)
Upfront cash ≈ HK$20.06M (deposit + AVD stamp duty HK$1,571,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,180
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$104,327
−HK$3,198/mo
Today · 4.125%
HK$107,525
baseline
▲ 0.50% · 4.625%
HK$114,068
+HK$6,543/mo
Deposit HK$14.79M · loan HK$22.19M · min. income ≈ HK$215,050/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,571,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,562
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$115,581
−HK$3,062/mo
Today · 4.125%
HK$118,643
baseline
▲ 0.50% · 4.625%
HK$124,897
+HK$6,254/mo
Deposit HK$14.79M · loan HK$22.19M · min. income ≈ HK$237,286/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,571,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,043
−HK$7,403/mo
▼ 0.25% · 3.875%
HK$121,715
−HK$3,731/mo
Today · 4.125%
HK$125,446
baseline
▲ 0.50% · 4.625%
HK$133,079
+HK$7,633/mo
Deposit HK$11.09M · loan HK$25.88M · min. income ≈ HK$250,892/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,571,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,322
−HK$7,095/mo
▼ 0.25% · 3.875%
HK$134,844
−HK$3,573/mo
Today · 4.125%
HK$138,417
baseline
▲ 0.50% · 4.625%
HK$145,713
+HK$7,296/mo
Deposit HK$11.09M · loan HK$25.88M · min. income ≈ HK$276,834/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,571,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,770
−HK$9,517/mo
▼ 0.25% · 3.875%
HK$156,491
−HK$4,796/mo
Today · 4.125%
HK$161,287
baseline
▲ 0.50% · 4.625%
HK$171,101
+HK$9,814/mo
Deposit HK$3.70M · loan HK$33.28M · min. income ≈ HK$322,574/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,571,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,843
−HK$9,122/mo
▼ 0.25% · 3.875%
HK$173,371
−HK$4,594/mo
Today · 4.125%
HK$177,965
baseline
▲ 0.50% · 4.625%
HK$187,346
+HK$9,381/mo
Deposit HK$3.70M · loan HK$33.28M · min. income ≈ HK$355,930/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,571,517 · Scale 2, in force from 26 Feb 2026)