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$84,475
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,103
−HK$2,670/mo
Today · 4.125%
HK$89,773
baseline
▲ 0.50% · 4.625%
HK$95,235
+HK$5,462/mo
Deposit HK$18.52M · loan HK$18.52M · min. income ≈ HK$179,546/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,574,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,978
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,498
−HK$2,557/mo
Today · 4.125%
HK$99,055
baseline
▲ 0.50% · 4.625%
HK$104,277
+HK$5,222/mo
Deposit HK$18.52M · loan HK$18.52M · min. income ≈ HK$198,110/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,574,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,370
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$104,524
−HK$3,203/mo
Today · 4.125%
HK$107,727
baseline
▲ 0.50% · 4.625%
HK$114,282
+HK$6,555/mo
Deposit HK$14.82M · loan HK$22.23M · min. income ≈ HK$215,454/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,574,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,774
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$115,798
−HK$3,068/mo
Today · 4.125%
HK$118,866
baseline
▲ 0.50% · 4.625%
HK$125,132
+HK$6,266/mo
Deposit HK$14.82M · loan HK$22.23M · min. income ≈ HK$237,732/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,574,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,265
−HK$7,417/mo
▼ 0.25% · 3.875%
HK$121,944
−HK$3,738/mo
Today · 4.125%
HK$125,682
baseline
▲ 0.50% · 4.625%
HK$133,329
+HK$7,647/mo
Deposit HK$11.11M · loan HK$25.93M · min. income ≈ HK$251,364/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,574,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,569
−HK$7,108/mo
▼ 0.25% · 3.875%
HK$135,098
−HK$3,579/mo
Today · 4.125%
HK$138,677
baseline
▲ 0.50% · 4.625%
HK$145,987
+HK$7,310/mo
Deposit HK$11.11M · loan HK$25.93M · min. income ≈ HK$277,354/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,574,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,056
−HK$9,535/mo
▼ 0.25% · 3.875%
HK$156,785
−HK$4,806/mo
Today · 4.125%
HK$161,591
baseline
▲ 0.50% · 4.625%
HK$171,423
+HK$9,832/mo
Deposit HK$3.70M · loan HK$33.34M · min. income ≈ HK$323,182/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,574,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,160
−HK$9,140/mo
▼ 0.25% · 3.875%
HK$173,697
−HK$4,603/mo
Today · 4.125%
HK$178,300
baseline
▲ 0.50% · 4.625%
HK$187,698
+HK$9,398/mo
Deposit HK$3.70M · loan HK$33.34M · min. income ≈ HK$356,600/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,574,473 · Scale 2, in force from 26 Feb 2026)