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$84,322
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$86,945
−HK$2,665/mo
Today · 4.125%
HK$89,610
baseline
▲ 0.50% · 4.625%
HK$95,062
+HK$5,452/mo
Deposit HK$18.49M · loan HK$18.49M · min. income ≈ HK$179,220/mo (50% DSR)
Upfront cash ≈ HK$20.06M (deposit + AVD stamp duty HK$1,571,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,808
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$96,323
−HK$2,553/mo
Today · 4.125%
HK$98,876
baseline
▲ 0.50% · 4.625%
HK$104,088
+HK$5,212/mo
Deposit HK$18.49M · loan HK$18.49M · min. income ≈ HK$197,752/mo (50% DSR)
Upfront cash ≈ HK$20.06M (deposit + AVD stamp duty HK$1,571,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,187
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$104,334
−HK$3,198/mo
Today · 4.125%
HK$107,532
baseline
▲ 0.50% · 4.625%
HK$114,075
+HK$6,543/mo
Deposit HK$14.79M · loan HK$22.19M · min. income ≈ HK$215,064/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,571,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,569
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$115,588
−HK$3,063/mo
Today · 4.125%
HK$118,651
baseline
▲ 0.50% · 4.625%
HK$124,905
+HK$6,254/mo
Deposit HK$14.79M · loan HK$22.19M · min. income ≈ HK$237,302/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,571,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,051
−HK$7,403/mo
▼ 0.25% · 3.875%
HK$121,723
−HK$3,731/mo
Today · 4.125%
HK$125,454
baseline
▲ 0.50% · 4.625%
HK$133,087
+HK$7,633/mo
Deposit HK$11.09M · loan HK$25.89M · min. income ≈ HK$250,908/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,571,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,331
−HK$7,095/mo
▼ 0.25% · 3.875%
HK$134,853
−HK$3,573/mo
Today · 4.125%
HK$138,426
baseline
▲ 0.50% · 4.625%
HK$145,723
+HK$7,297/mo
Deposit HK$11.09M · loan HK$25.89M · min. income ≈ HK$276,852/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,571,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,780
−HK$9,518/mo
▼ 0.25% · 3.875%
HK$156,501
−HK$4,797/mo
Today · 4.125%
HK$161,298
baseline
▲ 0.50% · 4.625%
HK$171,112
+HK$9,814/mo
Deposit HK$3.70M · loan HK$33.28M · min. income ≈ HK$322,596/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,571,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,854
−HK$9,122/mo
▼ 0.25% · 3.875%
HK$173,382
−HK$4,594/mo
Today · 4.125%
HK$177,976
baseline
▲ 0.50% · 4.625%
HK$187,358
+HK$9,382/mo
Deposit HK$3.70M · loan HK$33.28M · min. income ≈ HK$355,952/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,571,618 · Scale 2, in force from 26 Feb 2026)