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$84,761
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$87,398
−HK$2,679/mo
Today · 4.125%
HK$90,077
baseline
▲ 0.50% · 4.625%
HK$95,558
+HK$5,481/mo
Deposit HK$18.59M · loan HK$18.59M · min. income ≈ HK$180,154/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,579,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,296
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$96,825
−HK$2,566/mo
Today · 4.125%
HK$99,391
baseline
▲ 0.50% · 4.625%
HK$104,630
+HK$5,239/mo
Deposit HK$18.59M · loan HK$18.59M · min. income ≈ HK$198,782/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,579,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,714
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$104,877
−HK$3,215/mo
Today · 4.125%
HK$108,092
baseline
▲ 0.50% · 4.625%
HK$114,669
+HK$6,577/mo
Deposit HK$14.87M · loan HK$22.30M · min. income ≈ HK$216,184/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,579,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,155
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$116,190
−HK$3,079/mo
Today · 4.125%
HK$119,269
baseline
▲ 0.50% · 4.625%
HK$125,556
+HK$6,287/mo
Deposit HK$14.87M · loan HK$22.30M · min. income ≈ HK$238,538/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,579,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,666
−HK$7,441/mo
▼ 0.25% · 3.875%
HK$122,357
−HK$3,750/mo
Today · 4.125%
HK$126,107
baseline
▲ 0.50% · 4.625%
HK$133,781
+HK$7,674/mo
Deposit HK$11.15M · loan HK$26.02M · min. income ≈ HK$252,214/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,579,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,015
−HK$7,132/mo
▼ 0.25% · 3.875%
HK$135,555
−HK$3,592/mo
Today · 4.125%
HK$139,147
baseline
▲ 0.50% · 4.625%
HK$146,482
+HK$7,335/mo
Deposit HK$11.15M · loan HK$26.02M · min. income ≈ HK$278,294/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,579,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,570
−HK$9,568/mo
▼ 0.25% · 3.875%
HK$157,316
−HK$4,822/mo
Today · 4.125%
HK$162,138
baseline
▲ 0.50% · 4.625%
HK$172,004
+HK$9,866/mo
Deposit HK$3.72M · loan HK$33.45M · min. income ≈ HK$324,276/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,579,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,733
−HK$9,170/mo
▼ 0.25% · 3.875%
HK$174,285
−HK$4,618/mo
Today · 4.125%
HK$178,903
baseline
▲ 0.50% · 4.625%
HK$188,333
+HK$9,430/mo
Deposit HK$3.72M · loan HK$33.45M · min. income ≈ HK$357,806/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,579,804 · Scale 2, in force from 26 Feb 2026)