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$84,721
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$87,357
−HK$2,677/mo
Today · 4.125%
HK$90,034
baseline
▲ 0.50% · 4.625%
HK$95,513
+HK$5,479/mo
Deposit HK$18.58M · loan HK$18.58M · min. income ≈ HK$180,068/mo (50% DSR)
Upfront cash ≈ HK$20.16M (deposit + AVD stamp duty HK$1,579,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,252
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$96,780
−HK$2,564/mo
Today · 4.125%
HK$99,344
baseline
▲ 0.50% · 4.625%
HK$104,580
+HK$5,236/mo
Deposit HK$18.58M · loan HK$18.58M · min. income ≈ HK$198,688/mo (50% DSR)
Upfront cash ≈ HK$20.16M (deposit + AVD stamp duty HK$1,579,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,666
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$104,828
−HK$3,213/mo
Today · 4.125%
HK$108,041
baseline
▲ 0.50% · 4.625%
HK$114,615
+HK$6,574/mo
Deposit HK$14.86M · loan HK$22.29M · min. income ≈ HK$216,082/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,579,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,102
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$116,135
−HK$3,078/mo
Today · 4.125%
HK$119,213
baseline
▲ 0.50% · 4.625%
HK$125,496
+HK$6,283/mo
Deposit HK$14.86M · loan HK$22.29M · min. income ≈ HK$238,426/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,579,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,610
−HK$7,438/mo
▼ 0.25% · 3.875%
HK$122,299
−HK$3,749/mo
Today · 4.125%
HK$126,048
baseline
▲ 0.50% · 4.625%
HK$133,718
+HK$7,670/mo
Deposit HK$11.15M · loan HK$26.01M · min. income ≈ HK$252,096/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,579,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,952
−HK$7,129/mo
▼ 0.25% · 3.875%
HK$135,491
−HK$3,590/mo
Today · 4.125%
HK$139,081
baseline
▲ 0.50% · 4.625%
HK$146,413
+HK$7,332/mo
Deposit HK$11.15M · loan HK$26.01M · min. income ≈ HK$278,162/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,579,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,499
−HK$9,563/mo
▼ 0.25% · 3.875%
HK$157,242
−HK$4,820/mo
Today · 4.125%
HK$162,062
baseline
▲ 0.50% · 4.625%
HK$171,923
+HK$9,861/mo
Deposit HK$3.72M · loan HK$33.44M · min. income ≈ HK$324,124/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,579,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,653
−HK$9,166/mo
▼ 0.25% · 3.875%
HK$174,203
−HK$4,616/mo
Today · 4.125%
HK$178,819
baseline
▲ 0.50% · 4.625%
HK$188,245
+HK$9,426/mo
Deposit HK$3.72M · loan HK$33.44M · min. income ≈ HK$357,638/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,579,060 · Scale 2, in force from 26 Feb 2026)