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$84,783
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$87,420
−HK$2,680/mo
Today · 4.125%
HK$90,100
baseline
▲ 0.50% · 4.625%
HK$95,582
+HK$5,482/mo
Deposit HK$18.59M · loan HK$18.59M · min. income ≈ HK$180,200/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,580,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,320
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$96,850
−HK$2,566/mo
Today · 4.125%
HK$99,416
baseline
▲ 0.50% · 4.625%
HK$104,657
+HK$5,241/mo
Deposit HK$18.59M · loan HK$18.59M · min. income ≈ HK$198,832/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,580,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,740
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$104,904
−HK$3,216/mo
Today · 4.125%
HK$108,120
baseline
▲ 0.50% · 4.625%
HK$114,699
+HK$6,579/mo
Deposit HK$14.87M · loan HK$22.31M · min. income ≈ HK$216,240/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,580,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,184
−HK$6,115/mo
▼ 0.25% · 3.875%
HK$116,220
−HK$3,079/mo
Today · 4.125%
HK$119,299
baseline
▲ 0.50% · 4.625%
HK$125,588
+HK$6,289/mo
Deposit HK$14.87M · loan HK$22.31M · min. income ≈ HK$238,598/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,580,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,696
−HK$7,444/mo
▼ 0.25% · 3.875%
HK$122,388
−HK$3,752/mo
Today · 4.125%
HK$126,140
baseline
▲ 0.50% · 4.625%
HK$133,815
+HK$7,675/mo
Deposit HK$11.15M · loan HK$26.03M · min. income ≈ HK$252,280/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,580,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,048
−HK$7,135/mo
▼ 0.25% · 3.875%
HK$135,590
−HK$3,593/mo
Today · 4.125%
HK$139,183
baseline
▲ 0.50% · 4.625%
HK$146,519
+HK$7,336/mo
Deposit HK$11.15M · loan HK$26.03M · min. income ≈ HK$278,366/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,580,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,610
−HK$9,570/mo
▼ 0.25% · 3.875%
HK$157,357
−HK$4,823/mo
Today · 4.125%
HK$162,180
baseline
▲ 0.50% · 4.625%
HK$172,048
+HK$9,868/mo
Deposit HK$3.72M · loan HK$33.46M · min. income ≈ HK$324,360/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,580,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,777
−HK$9,172/mo
▼ 0.25% · 3.875%
HK$174,330
−HK$4,619/mo
Today · 4.125%
HK$178,949
baseline
▲ 0.50% · 4.625%
HK$188,382
+HK$9,433/mo
Deposit HK$3.72M · loan HK$33.46M · min. income ≈ HK$357,898/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,580,209 · Scale 2, in force from 26 Feb 2026)