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$84,936
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$87,578
−HK$2,684/mo
Today · 4.125%
HK$90,262
baseline
▲ 0.50% · 4.625%
HK$95,754
+HK$5,492/mo
Deposit HK$18.62M · loan HK$18.62M · min. income ≈ HK$180,524/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,583,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,490
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,024
−HK$2,571/mo
Today · 4.125%
HK$99,595
baseline
▲ 0.50% · 4.625%
HK$104,845
+HK$5,250/mo
Deposit HK$18.62M · loan HK$18.62M · min. income ≈ HK$199,190/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,583,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,923
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$105,093
−HK$3,221/mo
Today · 4.125%
HK$108,314
baseline
▲ 0.50% · 4.625%
HK$114,905
+HK$6,591/mo
Deposit HK$14.90M · loan HK$22.35M · min. income ≈ HK$216,628/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,583,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,388
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$116,429
−HK$3,085/mo
Today · 4.125%
HK$119,514
baseline
▲ 0.50% · 4.625%
HK$125,814
+HK$6,300/mo
Deposit HK$14.90M · loan HK$22.35M · min. income ≈ HK$239,028/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,583,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,910
−HK$7,457/mo
▼ 0.25% · 3.875%
HK$122,609
−HK$3,758/mo
Today · 4.125%
HK$126,367
baseline
▲ 0.50% · 4.625%
HK$134,056
+HK$7,689/mo
Deposit HK$11.17M · loan HK$26.07M · min. income ≈ HK$252,734/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,286
−HK$7,147/mo
▼ 0.25% · 3.875%
HK$135,834
−HK$3,599/mo
Today · 4.125%
HK$139,433
baseline
▲ 0.50% · 4.625%
HK$146,783
+HK$7,350/mo
Deposit HK$11.17M · loan HK$26.07M · min. income ≈ HK$278,866/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,884
−HK$9,588/mo
▼ 0.25% · 3.875%
HK$157,640
−HK$4,832/mo
Today · 4.125%
HK$162,472
baseline
▲ 0.50% · 4.625%
HK$172,358
+HK$9,886/mo
Deposit HK$3.72M · loan HK$33.52M · min. income ≈ HK$324,944/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,082
−HK$9,189/mo
▼ 0.25% · 3.875%
HK$174,644
−HK$4,627/mo
Today · 4.125%
HK$179,271
baseline
▲ 0.50% · 4.625%
HK$188,721
+HK$9,450/mo
Deposit HK$3.72M · loan HK$33.52M · min. income ≈ HK$358,542/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,055 · Scale 2, in force from 26 Feb 2026)