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$84,490
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,118
−HK$2,670/mo
Today · 4.125%
HK$89,788
baseline
▲ 0.50% · 4.625%
HK$95,252
+HK$5,464/mo
Deposit HK$18.53M · loan HK$18.53M · min. income ≈ HK$179,576/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,574,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,994
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,515
−HK$2,557/mo
Today · 4.125%
HK$99,072
baseline
▲ 0.50% · 4.625%
HK$104,295
+HK$5,223/mo
Deposit HK$18.53M · loan HK$18.53M · min. income ≈ HK$198,144/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,574,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,388
−HK$6,358/mo
▼ 0.25% · 3.875%
HK$104,542
−HK$3,204/mo
Today · 4.125%
HK$107,746
baseline
▲ 0.50% · 4.625%
HK$114,302
+HK$6,556/mo
Deposit HK$14.82M · loan HK$22.23M · min. income ≈ HK$215,492/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,574,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,793
−HK$6,094/mo
▼ 0.25% · 3.875%
HK$115,818
−HK$3,069/mo
Today · 4.125%
HK$118,887
baseline
▲ 0.50% · 4.625%
HK$125,154
+HK$6,267/mo
Deposit HK$14.82M · loan HK$22.23M · min. income ≈ HK$237,774/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,574,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,286
−HK$7,418/mo
▼ 0.25% · 3.875%
HK$121,965
−HK$3,739/mo
Today · 4.125%
HK$125,704
baseline
▲ 0.50% · 4.625%
HK$133,352
+HK$7,648/mo
Deposit HK$11.12M · loan HK$25.94M · min. income ≈ HK$251,408/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,574,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,592
−HK$7,109/mo
▼ 0.25% · 3.875%
HK$135,121
−HK$3,580/mo
Today · 4.125%
HK$138,701
baseline
▲ 0.50% · 4.625%
HK$146,013
+HK$7,312/mo
Deposit HK$11.12M · loan HK$25.94M · min. income ≈ HK$277,402/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,574,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,082
−HK$9,537/mo
▼ 0.25% · 3.875%
HK$156,813
−HK$4,806/mo
Today · 4.125%
HK$161,619
baseline
▲ 0.50% · 4.625%
HK$171,453
+HK$9,834/mo
Deposit HK$3.71M · loan HK$33.35M · min. income ≈ HK$323,238/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,574,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,190
−HK$9,140/mo
▼ 0.25% · 3.875%
HK$173,727
−HK$4,603/mo
Today · 4.125%
HK$178,330
baseline
▲ 0.50% · 4.625%
HK$187,730
+HK$9,400/mo
Deposit HK$3.71M · loan HK$33.35M · min. income ≈ HK$356,660/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,574,746 · Scale 2, in force from 26 Feb 2026)