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$84,508
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$87,137
−HK$2,671/mo
Today · 4.125%
HK$89,808
baseline
▲ 0.50% · 4.625%
HK$95,272
+HK$5,464/mo
Deposit HK$18.53M · loan HK$18.53M · min. income ≈ HK$179,616/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,575,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,015
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$96,536
−HK$2,558/mo
Today · 4.125%
HK$99,094
baseline
▲ 0.50% · 4.625%
HK$104,317
+HK$5,223/mo
Deposit HK$18.53M · loan HK$18.53M · min. income ≈ HK$198,188/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,575,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,410
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$104,564
−HK$3,205/mo
Today · 4.125%
HK$107,769
baseline
▲ 0.50% · 4.625%
HK$114,327
+HK$6,558/mo
Deposit HK$14.82M · loan HK$22.24M · min. income ≈ HK$215,538/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,575,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,818
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$115,843
−HK$3,070/mo
Today · 4.125%
HK$118,913
baseline
▲ 0.50% · 4.625%
HK$125,181
+HK$6,268/mo
Deposit HK$14.82M · loan HK$22.24M · min. income ≈ HK$237,826/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,575,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,312
−HK$7,419/mo
▼ 0.25% · 3.875%
HK$121,992
−HK$3,739/mo
Today · 4.125%
HK$125,731
baseline
▲ 0.50% · 4.625%
HK$133,381
+HK$7,650/mo
Deposit HK$11.12M · loan HK$25.94M · min. income ≈ HK$251,462/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,575,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,621
−HK$7,111/mo
▼ 0.25% · 3.875%
HK$135,151
−HK$3,581/mo
Today · 4.125%
HK$138,732
baseline
▲ 0.50% · 4.625%
HK$146,044
+HK$7,312/mo
Deposit HK$11.12M · loan HK$25.94M · min. income ≈ HK$277,464/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,575,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,115
−HK$9,539/mo
▼ 0.25% · 3.875%
HK$156,847
−HK$4,807/mo
Today · 4.125%
HK$161,654
baseline
▲ 0.50% · 4.625%
HK$171,490
+HK$9,836/mo
Deposit HK$3.71M · loan HK$33.35M · min. income ≈ HK$323,308/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,226
−HK$9,143/mo
▼ 0.25% · 3.875%
HK$173,765
−HK$4,604/mo
Today · 4.125%
HK$178,369
baseline
▲ 0.50% · 4.625%
HK$187,771
+HK$9,402/mo
Deposit HK$3.71M · loan HK$33.35M · min. income ≈ HK$356,738/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,089 · Scale 2, in force from 26 Feb 2026)