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$84,961
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,604
−HK$2,685/mo
Today · 4.125%
HK$90,289
baseline
▲ 0.50% · 4.625%
HK$95,782
+HK$5,493/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$180,578/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,583,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,518
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$97,053
−HK$2,571/mo
Today · 4.125%
HK$99,624
baseline
▲ 0.50% · 4.625%
HK$104,876
+HK$5,252/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$199,248/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,583,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,953
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$105,124
−HK$3,222/mo
Today · 4.125%
HK$108,346
baseline
▲ 0.50% · 4.625%
HK$114,939
+HK$6,593/mo
Deposit HK$14.90M · loan HK$22.36M · min. income ≈ HK$216,692/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,422
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$116,463
−HK$3,086/mo
Today · 4.125%
HK$119,549
baseline
▲ 0.50% · 4.625%
HK$125,851
+HK$6,302/mo
Deposit HK$14.90M · loan HK$22.36M · min. income ≈ HK$239,098/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,945
−HK$7,459/mo
▼ 0.25% · 3.875%
HK$122,645
−HK$3,759/mo
Today · 4.125%
HK$126,404
baseline
▲ 0.50% · 4.625%
HK$134,095
+HK$7,691/mo
Deposit HK$11.18M · loan HK$26.08M · min. income ≈ HK$252,808/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,325
−HK$7,149/mo
▼ 0.25% · 3.875%
HK$135,874
−HK$3,600/mo
Today · 4.125%
HK$139,474
baseline
▲ 0.50% · 4.625%
HK$146,826
+HK$7,352/mo
Deposit HK$11.18M · loan HK$26.08M · min. income ≈ HK$278,948/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,929
−HK$9,590/mo
▼ 0.25% · 3.875%
HK$157,686
−HK$4,833/mo
Today · 4.125%
HK$162,519
baseline
▲ 0.50% · 4.625%
HK$172,408
+HK$9,889/mo
Deposit HK$3.73M · loan HK$33.53M · min. income ≈ HK$325,038/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,132
−HK$9,192/mo
▼ 0.25% · 3.875%
HK$174,695
−HK$4,629/mo
Today · 4.125%
HK$179,324
baseline
▲ 0.50% · 4.625%
HK$188,776
+HK$9,452/mo
Deposit HK$3.73M · loan HK$33.53M · min. income ≈ HK$358,648/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,520 · Scale 2, in force from 26 Feb 2026)