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$83,936
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$86,547
−HK$2,652/mo
Today · 4.125%
HK$89,199
baseline
▲ 0.50% · 4.625%
HK$94,627
+HK$5,428/mo
Deposit HK$18.40M · loan HK$18.40M · min. income ≈ HK$178,398/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$1,564,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,378
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$95,882
−HK$2,541/mo
Today · 4.125%
HK$98,423
baseline
▲ 0.50% · 4.625%
HK$103,611
+HK$5,188/mo
Deposit HK$18.40M · loan HK$18.40M · min. income ≈ HK$196,846/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$1,564,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,723
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$103,856
−HK$3,183/mo
Today · 4.125%
HK$107,039
baseline
▲ 0.50% · 4.625%
HK$113,552
+HK$6,513/mo
Deposit HK$14.72M · loan HK$22.09M · min. income ≈ HK$214,078/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,564,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,053
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$115,059
−HK$3,048/mo
Today · 4.125%
HK$118,107
baseline
▲ 0.50% · 4.625%
HK$124,333
+HK$6,226/mo
Deposit HK$14.72M · loan HK$22.09M · min. income ≈ HK$236,214/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,564,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,510
−HK$7,369/mo
▼ 0.25% · 3.875%
HK$121,166
−HK$3,713/mo
Today · 4.125%
HK$124,879
baseline
▲ 0.50% · 4.625%
HK$132,478
+HK$7,599/mo
Deposit HK$11.04M · loan HK$25.77M · min. income ≈ HK$249,758/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,564,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,729
−HK$7,063/mo
▼ 0.25% · 3.875%
HK$134,235
−HK$3,557/mo
Today · 4.125%
HK$137,792
baseline
▲ 0.50% · 4.625%
HK$145,055
+HK$7,263/mo
Deposit HK$11.04M · loan HK$25.77M · min. income ≈ HK$275,584/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,564,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,085
−HK$9,474/mo
▼ 0.25% · 3.875%
HK$155,784
−HK$4,775/mo
Today · 4.125%
HK$160,559
baseline
▲ 0.50% · 4.625%
HK$170,329
+HK$9,770/mo
Deposit HK$3.68M · loan HK$33.13M · min. income ≈ HK$321,118/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,564,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,080
−HK$9,081/mo
▼ 0.25% · 3.875%
HK$172,588
−HK$4,573/mo
Today · 4.125%
HK$177,161
baseline
▲ 0.50% · 4.625%
HK$186,500
+HK$9,339/mo
Deposit HK$3.68M · loan HK$33.13M · min. income ≈ HK$354,322/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,564,420 · Scale 2, in force from 26 Feb 2026)