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$85,115
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$87,762
−HK$2,690/mo
Today · 4.125%
HK$90,452
baseline
▲ 0.50% · 4.625%
HK$95,956
+HK$5,504/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$180,904/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,586,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,689
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$97,229
−HK$2,576/mo
Today · 4.125%
HK$99,805
baseline
▲ 0.50% · 4.625%
HK$105,066
+HK$5,261/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$199,610/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,586,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,138
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$105,315
−HK$3,227/mo
Today · 4.125%
HK$108,542
baseline
▲ 0.50% · 4.625%
HK$115,147
+HK$6,605/mo
Deposit HK$14.93M · loan HK$22.40M · min. income ≈ HK$217,084/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,586,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,627
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,674
−HK$3,092/mo
Today · 4.125%
HK$119,766
baseline
▲ 0.50% · 4.625%
HK$126,079
+HK$6,313/mo
Deposit HK$14.93M · loan HK$22.40M · min. income ≈ HK$239,532/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,586,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,160
−HK$7,473/mo
▼ 0.25% · 3.875%
HK$122,867
−HK$3,766/mo
Today · 4.125%
HK$126,633
baseline
▲ 0.50% · 4.625%
HK$134,338
+HK$7,705/mo
Deposit HK$11.20M · loan HK$26.13M · min. income ≈ HK$253,266/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,586,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,565
−HK$7,162/mo
▼ 0.25% · 3.875%
HK$136,120
−HK$3,607/mo
Today · 4.125%
HK$139,727
baseline
▲ 0.50% · 4.625%
HK$147,092
+HK$7,365/mo
Deposit HK$11.20M · loan HK$26.13M · min. income ≈ HK$279,454/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,586,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,206
−HK$9,608/mo
▼ 0.25% · 3.875%
HK$157,972
−HK$4,842/mo
Today · 4.125%
HK$162,814
baseline
▲ 0.50% · 4.625%
HK$172,720
+HK$9,906/mo
Deposit HK$3.73M · loan HK$33.59M · min. income ≈ HK$325,628/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,440
−HK$9,209/mo
▼ 0.25% · 3.875%
HK$175,012
−HK$4,637/mo
Today · 4.125%
HK$179,649
baseline
▲ 0.50% · 4.625%
HK$189,118
+HK$9,469/mo
Deposit HK$3.73M · loan HK$33.59M · min. income ≈ HK$359,298/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,388 · Scale 2, in force from 26 Feb 2026)