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$85,131
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$87,779
−HK$2,691/mo
Today · 4.125%
HK$90,470
baseline
▲ 0.50% · 4.625%
HK$95,974
+HK$5,504/mo
Deposit HK$18.67M · loan HK$18.67M · min. income ≈ HK$180,940/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,586,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,707
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$97,247
−HK$2,577/mo
Today · 4.125%
HK$99,824
baseline
▲ 0.50% · 4.625%
HK$105,086
+HK$5,262/mo
Deposit HK$18.67M · loan HK$18.67M · min. income ≈ HK$199,648/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,586,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,157
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$105,335
−HK$3,228/mo
Today · 4.125%
HK$108,563
baseline
▲ 0.50% · 4.625%
HK$115,169
+HK$6,606/mo
Deposit HK$14.93M · loan HK$22.40M · min. income ≈ HK$217,126/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,586,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,649
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$116,697
−HK$3,092/mo
Today · 4.125%
HK$119,789
baseline
▲ 0.50% · 4.625%
HK$126,103
+HK$6,314/mo
Deposit HK$14.93M · loan HK$22.40M · min. income ≈ HK$239,578/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,586,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,184
−HK$7,473/mo
▼ 0.25% · 3.875%
HK$122,891
−HK$3,766/mo
Today · 4.125%
HK$126,657
baseline
▲ 0.50% · 4.625%
HK$134,364
+HK$7,707/mo
Deposit HK$11.20M · loan HK$26.13M · min. income ≈ HK$253,314/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,586,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,590
−HK$7,164/mo
▼ 0.25% · 3.875%
HK$136,146
−HK$3,608/mo
Today · 4.125%
HK$139,754
baseline
▲ 0.50% · 4.625%
HK$147,121
+HK$7,367/mo
Deposit HK$11.20M · loan HK$26.13M · min. income ≈ HK$279,508/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,586,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,236
−HK$9,609/mo
▼ 0.25% · 3.875%
HK$158,002
−HK$4,843/mo
Today · 4.125%
HK$162,845
baseline
▲ 0.50% · 4.625%
HK$172,754
+HK$9,909/mo
Deposit HK$3.73M · loan HK$33.60M · min. income ≈ HK$325,690/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,473
−HK$9,211/mo
▼ 0.25% · 3.875%
HK$175,045
−HK$4,639/mo
Today · 4.125%
HK$179,684
baseline
▲ 0.50% · 4.625%
HK$189,155
+HK$9,471/mo
Deposit HK$3.73M · loan HK$33.60M · min. income ≈ HK$359,368/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,695 · Scale 2, in force from 26 Feb 2026)