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$85,164
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$87,813
−HK$2,692/mo
Today · 4.125%
HK$90,505
baseline
▲ 0.50% · 4.625%
HK$96,012
+HK$5,507/mo
Deposit HK$18.67M · loan HK$18.67M · min. income ≈ HK$181,010/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,587,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,744
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$97,285
−HK$2,578/mo
Today · 4.125%
HK$99,863
baseline
▲ 0.50% · 4.625%
HK$105,127
+HK$5,264/mo
Deposit HK$18.67M · loan HK$18.67M · min. income ≈ HK$199,726/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,587,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,197
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$105,376
−HK$3,229/mo
Today · 4.125%
HK$108,605
baseline
▲ 0.50% · 4.625%
HK$115,214
+HK$6,609/mo
Deposit HK$14.94M · loan HK$22.41M · min. income ≈ HK$217,210/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,587,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,693
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$116,742
−HK$3,093/mo
Today · 4.125%
HK$119,835
baseline
▲ 0.50% · 4.625%
HK$126,152
+HK$6,317/mo
Deposit HK$14.94M · loan HK$22.41M · min. income ≈ HK$239,670/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,587,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,230
−HK$7,476/mo
▼ 0.25% · 3.875%
HK$122,938
−HK$3,768/mo
Today · 4.125%
HK$126,706
baseline
▲ 0.50% · 4.625%
HK$134,416
+HK$7,710/mo
Deposit HK$11.20M · loan HK$26.14M · min. income ≈ HK$253,412/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,587,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,642
−HK$7,166/mo
▼ 0.25% · 3.875%
HK$136,199
−HK$3,609/mo
Today · 4.125%
HK$139,808
baseline
▲ 0.50% · 4.625%
HK$147,177
+HK$7,369/mo
Deposit HK$11.20M · loan HK$26.14M · min. income ≈ HK$279,616/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,587,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,295
−HK$9,613/mo
▼ 0.25% · 3.875%
HK$158,064
−HK$4,844/mo
Today · 4.125%
HK$162,908
baseline
▲ 0.50% · 4.625%
HK$172,821
+HK$9,913/mo
Deposit HK$3.73M · loan HK$33.61M · min. income ≈ HK$325,816/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,539
−HK$9,214/mo
▼ 0.25% · 3.875%
HK$175,113
−HK$4,640/mo
Today · 4.125%
HK$179,753
baseline
▲ 0.50% · 4.625%
HK$189,228
+HK$9,475/mo
Deposit HK$3.73M · loan HK$33.61M · min. income ≈ HK$359,506/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,309 · Scale 2, in force from 26 Feb 2026)