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$84,922
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$87,564
−HK$2,684/mo
Today · 4.125%
HK$90,248
baseline
▲ 0.50% · 4.625%
HK$95,739
+HK$5,491/mo
Deposit HK$18.62M · loan HK$18.62M · min. income ≈ HK$180,496/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,582,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,475
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$97,009
−HK$2,570/mo
Today · 4.125%
HK$99,579
baseline
▲ 0.50% · 4.625%
HK$104,828
+HK$5,249/mo
Deposit HK$18.62M · loan HK$18.62M · min. income ≈ HK$199,158/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,582,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,907
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$105,077
−HK$3,220/mo
Today · 4.125%
HK$108,297
baseline
▲ 0.50% · 4.625%
HK$114,887
+HK$6,590/mo
Deposit HK$14.90M · loan HK$22.35M · min. income ≈ HK$216,594/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,582,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,370
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$116,411
−HK$3,084/mo
Today · 4.125%
HK$119,495
baseline
▲ 0.50% · 4.625%
HK$125,794
+HK$6,299/mo
Deposit HK$14.90M · loan HK$22.35M · min. income ≈ HK$238,990/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,582,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,891
−HK$7,456/mo
▼ 0.25% · 3.875%
HK$122,589
−HK$3,758/mo
Today · 4.125%
HK$126,347
baseline
▲ 0.50% · 4.625%
HK$134,035
+HK$7,688/mo
Deposit HK$11.17M · loan HK$26.07M · min. income ≈ HK$252,694/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,582,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,265
−HK$7,146/mo
▼ 0.25% · 3.875%
HK$135,813
−HK$3,598/mo
Today · 4.125%
HK$139,411
baseline
▲ 0.50% · 4.625%
HK$146,760
+HK$7,349/mo
Deposit HK$11.17M · loan HK$26.07M · min. income ≈ HK$278,822/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,582,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,860
−HK$9,586/mo
▼ 0.25% · 3.875%
HK$157,615
−HK$4,831/mo
Today · 4.125%
HK$162,446
baseline
▲ 0.50% · 4.625%
HK$172,330
+HK$9,884/mo
Deposit HK$3.72M · loan HK$33.52M · min. income ≈ HK$324,892/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,582,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,055
−HK$9,188/mo
▼ 0.25% · 3.875%
HK$174,616
−HK$4,627/mo
Today · 4.125%
HK$179,243
baseline
▲ 0.50% · 4.625%
HK$188,691
+HK$9,448/mo
Deposit HK$3.72M · loan HK$33.52M · min. income ≈ HK$358,486/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,582,803 · Scale 2, in force from 26 Feb 2026)