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$84,757
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$87,393
−HK$2,679/mo
Today · 4.125%
HK$90,072
baseline
▲ 0.50% · 4.625%
HK$95,552
+HK$5,480/mo
Deposit HK$18.58M · loan HK$18.58M · min. income ≈ HK$180,144/mo (50% DSR)
Upfront cash ≈ HK$20.16M (deposit + AVD stamp duty HK$1,579,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,291
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$96,820
−HK$2,565/mo
Today · 4.125%
HK$99,385
baseline
▲ 0.50% · 4.625%
HK$104,624
+HK$5,239/mo
Deposit HK$18.58M · loan HK$18.58M · min. income ≈ HK$198,770/mo (50% DSR)
Upfront cash ≈ HK$20.16M (deposit + AVD stamp duty HK$1,579,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,708
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$104,872
−HK$3,214/mo
Today · 4.125%
HK$108,086
baseline
▲ 0.50% · 4.625%
HK$114,663
+HK$6,577/mo
Deposit HK$14.87M · loan HK$22.30M · min. income ≈ HK$216,172/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,579,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,149
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$116,184
−HK$3,078/mo
Today · 4.125%
HK$119,262
baseline
▲ 0.50% · 4.625%
HK$125,548
+HK$6,286/mo
Deposit HK$14.87M · loan HK$22.30M · min. income ≈ HK$238,524/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,579,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,659
−HK$7,441/mo
▼ 0.25% · 3.875%
HK$122,350
−HK$3,750/mo
Today · 4.125%
HK$126,100
baseline
▲ 0.50% · 4.625%
HK$133,773
+HK$7,673/mo
Deposit HK$11.15M · loan HK$26.02M · min. income ≈ HK$252,200/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,579,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,007
−HK$7,132/mo
▼ 0.25% · 3.875%
HK$135,547
−HK$3,592/mo
Today · 4.125%
HK$139,139
baseline
▲ 0.50% · 4.625%
HK$146,473
+HK$7,334/mo
Deposit HK$11.15M · loan HK$26.02M · min. income ≈ HK$278,278/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,579,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,562
−HK$9,567/mo
▼ 0.25% · 3.875%
HK$157,307
−HK$4,822/mo
Today · 4.125%
HK$162,129
baseline
▲ 0.50% · 4.625%
HK$171,994
+HK$9,865/mo
Deposit HK$3.72M · loan HK$33.45M · min. income ≈ HK$324,258/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,579,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,723
−HK$9,170/mo
▼ 0.25% · 3.875%
HK$174,275
−HK$4,618/mo
Today · 4.125%
HK$178,893
baseline
▲ 0.50% · 4.625%
HK$188,323
+HK$9,430/mo
Deposit HK$3.72M · loan HK$33.45M · min. income ≈ HK$357,786/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,579,714 · Scale 2, in force from 26 Feb 2026)