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$84,970
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,613
−HK$2,685/mo
Today · 4.125%
HK$90,298
baseline
▲ 0.50% · 4.625%
HK$95,792
+HK$5,494/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$180,596/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,583,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,528
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$97,063
−HK$2,572/mo
Today · 4.125%
HK$99,635
baseline
▲ 0.50% · 4.625%
HK$104,887
+HK$5,252/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$199,270/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,583,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,964
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$105,135
−HK$3,223/mo
Today · 4.125%
HK$108,358
baseline
▲ 0.50% · 4.625%
HK$114,951
+HK$6,593/mo
Deposit HK$14.91M · loan HK$22.36M · min. income ≈ HK$216,716/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,433
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$116,476
−HK$3,086/mo
Today · 4.125%
HK$119,562
baseline
▲ 0.50% · 4.625%
HK$125,864
+HK$6,302/mo
Deposit HK$14.91M · loan HK$22.36M · min. income ≈ HK$239,124/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,957
−HK$7,460/mo
▼ 0.25% · 3.875%
HK$122,658
−HK$3,759/mo
Today · 4.125%
HK$126,417
baseline
▲ 0.50% · 4.625%
HK$134,109
+HK$7,692/mo
Deposit HK$11.18M · loan HK$26.08M · min. income ≈ HK$252,834/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,339
−HK$7,150/mo
▼ 0.25% · 3.875%
HK$135,888
−HK$3,601/mo
Today · 4.125%
HK$139,489
baseline
▲ 0.50% · 4.625%
HK$146,842
+HK$7,353/mo
Deposit HK$11.18M · loan HK$26.08M · min. income ≈ HK$278,978/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,945
−HK$9,591/mo
▼ 0.25% · 3.875%
HK$157,703
−HK$4,833/mo
Today · 4.125%
HK$162,536
baseline
▲ 0.50% · 4.625%
HK$172,426
+HK$9,890/mo
Deposit HK$3.73M · loan HK$33.54M · min. income ≈ HK$325,072/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,150
−HK$9,193/mo
▼ 0.25% · 3.875%
HK$174,714
−HK$4,629/mo
Today · 4.125%
HK$179,343
baseline
▲ 0.50% · 4.625%
HK$188,796
+HK$9,453/mo
Deposit HK$3.73M · loan HK$33.54M · min. income ≈ HK$358,686/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,686 · Scale 2, in force from 26 Feb 2026)