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$85,034
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$87,679
−HK$2,687/mo
Today · 4.125%
HK$90,366
baseline
▲ 0.50% · 4.625%
HK$95,865
+HK$5,499/mo
Deposit HK$18.65M · loan HK$18.65M · min. income ≈ HK$180,732/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$1,584,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,599
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$97,137
−HK$2,573/mo
Today · 4.125%
HK$99,710
baseline
▲ 0.50% · 4.625%
HK$104,966
+HK$5,256/mo
Deposit HK$18.65M · loan HK$18.65M · min. income ≈ HK$199,420/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$1,584,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,041
−HK$6,399/mo
▼ 0.25% · 3.875%
HK$105,215
−HK$3,225/mo
Today · 4.125%
HK$108,440
baseline
▲ 0.50% · 4.625%
HK$115,038
+HK$6,598/mo
Deposit HK$14.92M · loan HK$22.37M · min. income ≈ HK$216,880/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,584,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,519
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$116,564
−HK$3,088/mo
Today · 4.125%
HK$119,652
baseline
▲ 0.50% · 4.625%
HK$125,959
+HK$6,307/mo
Deposit HK$14.92M · loan HK$22.37M · min. income ≈ HK$239,304/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,584,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,048
−HK$7,465/mo
▼ 0.25% · 3.875%
HK$122,751
−HK$3,762/mo
Today · 4.125%
HK$126,513
baseline
▲ 0.50% · 4.625%
HK$134,211
+HK$7,698/mo
Deposit HK$11.19M · loan HK$26.10M · min. income ≈ HK$253,026/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,439
−HK$7,156/mo
▼ 0.25% · 3.875%
HK$135,991
−HK$3,604/mo
Today · 4.125%
HK$139,595
baseline
▲ 0.50% · 4.625%
HK$146,953
+HK$7,358/mo
Deposit HK$11.19M · loan HK$26.10M · min. income ≈ HK$279,190/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,061
−HK$9,598/mo
▼ 0.25% · 3.875%
HK$157,822
−HK$4,837/mo
Today · 4.125%
HK$162,659
baseline
▲ 0.50% · 4.625%
HK$172,557
+HK$9,898/mo
Deposit HK$3.73M · loan HK$33.56M · min. income ≈ HK$325,318/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,279
−HK$9,200/mo
▼ 0.25% · 3.875%
HK$174,846
−HK$4,633/mo
Today · 4.125%
HK$179,479
baseline
▲ 0.50% · 4.625%
HK$188,939
+HK$9,460/mo
Deposit HK$3.73M · loan HK$33.56M · min. income ≈ HK$358,958/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,885 · Scale 2, in force from 26 Feb 2026)