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$84,828
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$87,467
−HK$2,681/mo
Today · 4.125%
HK$90,148
baseline
▲ 0.50% · 4.625%
HK$95,633
+HK$5,485/mo
Deposit HK$18.60M · loan HK$18.60M · min. income ≈ HK$180,296/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,581,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,371
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$96,902
−HK$2,567/mo
Today · 4.125%
HK$99,469
baseline
▲ 0.50% · 4.625%
HK$104,712
+HK$5,243/mo
Deposit HK$18.60M · loan HK$18.60M · min. income ≈ HK$198,938/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,581,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,794
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$104,960
−HK$3,217/mo
Today · 4.125%
HK$108,177
baseline
▲ 0.50% · 4.625%
HK$114,760
+HK$6,583/mo
Deposit HK$14.88M · loan HK$22.32M · min. income ≈ HK$216,354/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,581,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,245
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$116,282
−HK$3,081/mo
Today · 4.125%
HK$119,363
baseline
▲ 0.50% · 4.625%
HK$125,655
+HK$6,292/mo
Deposit HK$14.88M · loan HK$22.32M · min. income ≈ HK$238,726/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,581,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,760
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$122,454
−HK$3,753/mo
Today · 4.125%
HK$126,207
baseline
▲ 0.50% · 4.625%
HK$133,886
+HK$7,679/mo
Deposit HK$11.16M · loan HK$26.04M · min. income ≈ HK$252,414/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,581,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,119
−HK$7,138/mo
▼ 0.25% · 3.875%
HK$135,662
−HK$3,595/mo
Today · 4.125%
HK$139,257
baseline
▲ 0.50% · 4.625%
HK$146,597
+HK$7,340/mo
Deposit HK$11.16M · loan HK$26.04M · min. income ≈ HK$278,514/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,581,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,691
−HK$9,575/mo
▼ 0.25% · 3.875%
HK$157,441
−HK$4,825/mo
Today · 4.125%
HK$162,266
baseline
▲ 0.50% · 4.625%
HK$172,140
+HK$9,874/mo
Deposit HK$3.72M · loan HK$33.48M · min. income ≈ HK$324,532/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,581,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,867
−HK$9,178/mo
▼ 0.25% · 3.875%
HK$174,423
−HK$4,622/mo
Today · 4.125%
HK$179,045
baseline
▲ 0.50% · 4.625%
HK$188,482
+HK$9,437/mo
Deposit HK$3.72M · loan HK$33.48M · min. income ≈ HK$358,090/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,581,052 · Scale 2, in force from 26 Feb 2026)