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$84,913
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$87,554
−HK$2,683/mo
Today · 4.125%
HK$90,237
baseline
▲ 0.50% · 4.625%
HK$95,728
+HK$5,491/mo
Deposit HK$18.62M · loan HK$18.62M · min. income ≈ HK$180,474/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,582,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,464
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$96,998
−HK$2,570/mo
Today · 4.125%
HK$99,568
baseline
▲ 0.50% · 4.625%
HK$104,816
+HK$5,248/mo
Deposit HK$18.62M · loan HK$18.62M · min. income ≈ HK$199,136/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,582,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,895
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$105,065
−HK$3,220/mo
Today · 4.125%
HK$108,285
baseline
▲ 0.50% · 4.625%
HK$114,874
+HK$6,589/mo
Deposit HK$14.90M · loan HK$22.34M · min. income ≈ HK$216,570/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,582,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,357
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$116,398
−HK$3,084/mo
Today · 4.125%
HK$119,482
baseline
▲ 0.50% · 4.625%
HK$125,780
+HK$6,298/mo
Deposit HK$14.90M · loan HK$22.34M · min. income ≈ HK$238,964/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,582,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,878
−HK$7,454/mo
▼ 0.25% · 3.875%
HK$122,576
−HK$3,756/mo
Today · 4.125%
HK$126,332
baseline
▲ 0.50% · 4.625%
HK$134,019
+HK$7,687/mo
Deposit HK$11.17M · loan HK$26.07M · min. income ≈ HK$252,664/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,582,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,250
−HK$7,145/mo
▼ 0.25% · 3.875%
HK$135,797
−HK$3,598/mo
Today · 4.125%
HK$139,395
baseline
▲ 0.50% · 4.625%
HK$146,743
+HK$7,348/mo
Deposit HK$11.17M · loan HK$26.07M · min. income ≈ HK$278,790/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,582,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,843
−HK$9,584/mo
▼ 0.25% · 3.875%
HK$157,597
−HK$4,830/mo
Today · 4.125%
HK$162,427
baseline
▲ 0.50% · 4.625%
HK$172,311
+HK$9,884/mo
Deposit HK$3.72M · loan HK$33.51M · min. income ≈ HK$324,854/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,582,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,036
−HK$9,187/mo
▼ 0.25% · 3.875%
HK$174,596
−HK$4,627/mo
Today · 4.125%
HK$179,223
baseline
▲ 0.50% · 4.625%
HK$188,670
+HK$9,447/mo
Deposit HK$3.72M · loan HK$33.51M · min. income ≈ HK$358,446/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,582,624 · Scale 2, in force from 26 Feb 2026)