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$85,206
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$87,857
−HK$2,693/mo
Today · 4.125%
HK$90,550
baseline
▲ 0.50% · 4.625%
HK$96,059
+HK$5,509/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$181,100/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,588,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,791
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$97,334
−HK$2,579/mo
Today · 4.125%
HK$99,913
baseline
▲ 0.50% · 4.625%
HK$105,179
+HK$5,266/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$199,826/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,588,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,248
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$105,428
−HK$3,232/mo
Today · 4.125%
HK$108,660
baseline
▲ 0.50% · 4.625%
HK$115,271
+HK$6,611/mo
Deposit HK$14.95M · loan HK$22.42M · min. income ≈ HK$217,320/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,588,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,750
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$116,800
−HK$3,095/mo
Today · 4.125%
HK$119,895
baseline
▲ 0.50% · 4.625%
HK$126,215
+HK$6,320/mo
Deposit HK$14.95M · loan HK$22.42M · min. income ≈ HK$239,790/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,588,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,289
−HK$7,481/mo
▼ 0.25% · 3.875%
HK$123,000
−HK$3,770/mo
Today · 4.125%
HK$126,770
baseline
▲ 0.50% · 4.625%
HK$134,483
+HK$7,713/mo
Deposit HK$11.21M · loan HK$26.16M · min. income ≈ HK$253,540/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,588,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,708
−HK$7,170/mo
▼ 0.25% · 3.875%
HK$136,267
−HK$3,611/mo
Today · 4.125%
HK$139,878
baseline
▲ 0.50% · 4.625%
HK$147,251
+HK$7,373/mo
Deposit HK$11.21M · loan HK$26.16M · min. income ≈ HK$279,756/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,588,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,372
−HK$9,617/mo
▼ 0.25% · 3.875%
HK$158,142
−HK$4,847/mo
Today · 4.125%
HK$162,989
baseline
▲ 0.50% · 4.625%
HK$172,907
+HK$9,918/mo
Deposit HK$3.74M · loan HK$33.63M · min. income ≈ HK$325,978/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,588,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,624
−HK$9,219/mo
▼ 0.25% · 3.875%
HK$175,200
−HK$4,643/mo
Today · 4.125%
HK$179,843
baseline
▲ 0.50% · 4.625%
HK$189,322
+HK$9,479/mo
Deposit HK$3.74M · loan HK$33.63M · min. income ≈ HK$359,686/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,588,100 · Scale 2, in force from 26 Feb 2026)