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$85,318
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$87,972
−HK$2,696/mo
Today · 4.125%
HK$90,668
baseline
▲ 0.50% · 4.625%
HK$96,185
+HK$5,517/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$181,336/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,916
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,461
−HK$2,583/mo
Today · 4.125%
HK$100,044
baseline
▲ 0.50% · 4.625%
HK$105,317
+HK$5,273/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$200,088/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,382
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$105,567
−HK$3,235/mo
Today · 4.125%
HK$108,802
baseline
▲ 0.50% · 4.625%
HK$115,423
+HK$6,621/mo
Deposit HK$14.97M · loan HK$22.45M · min. income ≈ HK$217,604/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,899
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$116,954
−HK$3,098/mo
Today · 4.125%
HK$120,052
baseline
▲ 0.50% · 4.625%
HK$126,381
+HK$6,329/mo
Deposit HK$14.97M · loan HK$22.45M · min. income ≈ HK$240,104/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,446
−HK$7,490/mo
▼ 0.25% · 3.875%
HK$123,161
−HK$3,775/mo
Today · 4.125%
HK$126,936
baseline
▲ 0.50% · 4.625%
HK$134,660
+HK$7,724/mo
Deposit HK$11.22M · loan HK$26.19M · min. income ≈ HK$253,872/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,882
−HK$7,179/mo
▼ 0.25% · 3.875%
HK$136,446
−HK$3,615/mo
Today · 4.125%
HK$140,061
baseline
▲ 0.50% · 4.625%
HK$147,444
+HK$7,383/mo
Deposit HK$11.22M · loan HK$26.19M · min. income ≈ HK$280,122/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,573
−HK$9,630/mo
▼ 0.25% · 3.875%
HK$158,350
−HK$4,853/mo
Today · 4.125%
HK$163,203
baseline
▲ 0.50% · 4.625%
HK$173,134
+HK$9,931/mo
Deposit HK$3.74M · loan HK$33.67M · min. income ≈ HK$326,406/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,848
−HK$9,231/mo
▼ 0.25% · 3.875%
HK$175,430
−HK$4,649/mo
Today · 4.125%
HK$180,079
baseline
▲ 0.50% · 4.625%
HK$189,571
+HK$9,492/mo
Deposit HK$3.74M · loan HK$33.67M · min. income ≈ HK$360,158/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,184 · Scale 2, in force from 26 Feb 2026)