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$84,800
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$87,438
−HK$2,680/mo
Today · 4.125%
HK$90,118
baseline
▲ 0.50% · 4.625%
HK$95,601
+HK$5,483/mo
Deposit HK$18.59M · loan HK$18.59M · min. income ≈ HK$180,236/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,580,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,339
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$96,869
−HK$2,567/mo
Today · 4.125%
HK$99,436
baseline
▲ 0.50% · 4.625%
HK$104,677
+HK$5,241/mo
Deposit HK$18.59M · loan HK$18.59M · min. income ≈ HK$198,872/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,580,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,760
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$104,925
−HK$3,216/mo
Today · 4.125%
HK$108,141
baseline
▲ 0.50% · 4.625%
HK$114,721
+HK$6,580/mo
Deposit HK$14.88M · loan HK$22.31M · min. income ≈ HK$216,282/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,580,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,207
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$116,243
−HK$3,080/mo
Today · 4.125%
HK$119,323
baseline
▲ 0.50% · 4.625%
HK$125,613
+HK$6,290/mo
Deposit HK$14.88M · loan HK$22.31M · min. income ≈ HK$238,646/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,580,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,720
−HK$7,445/mo
▼ 0.25% · 3.875%
HK$122,413
−HK$3,752/mo
Today · 4.125%
HK$126,165
baseline
▲ 0.50% · 4.625%
HK$133,842
+HK$7,677/mo
Deposit HK$11.16M · loan HK$26.03M · min. income ≈ HK$252,330/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,580,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,075
−HK$7,135/mo
▼ 0.25% · 3.875%
HK$135,617
−HK$3,593/mo
Today · 4.125%
HK$139,210
baseline
▲ 0.50% · 4.625%
HK$146,548
+HK$7,338/mo
Deposit HK$11.16M · loan HK$26.03M · min. income ≈ HK$278,420/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,580,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,640
−HK$9,572/mo
▼ 0.25% · 3.875%
HK$157,388
−HK$4,824/mo
Today · 4.125%
HK$162,212
baseline
▲ 0.50% · 4.625%
HK$172,082
+HK$9,870/mo
Deposit HK$3.72M · loan HK$33.47M · min. income ≈ HK$324,424/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,580,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,810
−HK$9,175/mo
▼ 0.25% · 3.875%
HK$174,365
−HK$4,620/mo
Today · 4.125%
HK$178,985
baseline
▲ 0.50% · 4.625%
HK$188,419
+HK$9,434/mo
Deposit HK$3.72M · loan HK$33.47M · min. income ≈ HK$357,970/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,580,524 · Scale 2, in force from 26 Feb 2026)