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$85,000
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$87,644
−HK$2,686/mo
Today · 4.125%
HK$90,330
baseline
▲ 0.50% · 4.625%
HK$95,826
+HK$5,496/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$180,660/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,584,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,561
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$97,098
−HK$2,572/mo
Today · 4.125%
HK$99,670
baseline
▲ 0.50% · 4.625%
HK$104,924
+HK$5,254/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$199,340/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,584,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,000
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$105,173
−HK$3,223/mo
Today · 4.125%
HK$108,396
baseline
▲ 0.50% · 4.625%
HK$114,992
+HK$6,596/mo
Deposit HK$14.91M · loan HK$22.37M · min. income ≈ HK$216,792/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,584,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,474
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$116,517
−HK$3,087/mo
Today · 4.125%
HK$119,604
baseline
▲ 0.50% · 4.625%
HK$125,909
+HK$6,305/mo
Deposit HK$14.91M · loan HK$22.37M · min. income ≈ HK$239,208/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,584,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,000
−HK$7,462/mo
▼ 0.25% · 3.875%
HK$122,701
−HK$3,761/mo
Today · 4.125%
HK$126,462
baseline
▲ 0.50% · 4.625%
HK$134,157
+HK$7,695/mo
Deposit HK$11.18M · loan HK$26.09M · min. income ≈ HK$252,924/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,386
−HK$7,152/mo
▼ 0.25% · 3.875%
HK$135,937
−HK$3,601/mo
Today · 4.125%
HK$139,538
baseline
▲ 0.50% · 4.625%
HK$146,894
+HK$7,356/mo
Deposit HK$11.18M · loan HK$26.09M · min. income ≈ HK$279,076/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,000
−HK$9,594/mo
▼ 0.25% · 3.875%
HK$157,759
−HK$4,835/mo
Today · 4.125%
HK$162,594
baseline
▲ 0.50% · 4.625%
HK$172,488
+HK$9,894/mo
Deposit HK$3.73M · loan HK$33.55M · min. income ≈ HK$325,188/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,211
−HK$9,196/mo
▼ 0.25% · 3.875%
HK$174,776
−HK$4,631/mo
Today · 4.125%
HK$179,407
baseline
▲ 0.50% · 4.625%
HK$188,863
+HK$9,456/mo
Deposit HK$3.73M · loan HK$33.55M · min. income ≈ HK$358,814/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,249 · Scale 2, in force from 26 Feb 2026)