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$85,130
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$87,778
−HK$2,691/mo
Today · 4.125%
HK$90,469
baseline
▲ 0.50% · 4.625%
HK$95,973
+HK$5,504/mo
Deposit HK$18.67M · loan HK$18.67M · min. income ≈ HK$180,938/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,586,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,706
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$97,246
−HK$2,577/mo
Today · 4.125%
HK$99,823
baseline
▲ 0.50% · 4.625%
HK$105,085
+HK$5,262/mo
Deposit HK$18.67M · loan HK$18.67M · min. income ≈ HK$199,646/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,586,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,156
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$105,334
−HK$3,228/mo
Today · 4.125%
HK$108,562
baseline
▲ 0.50% · 4.625%
HK$115,168
+HK$6,606/mo
Deposit HK$14.93M · loan HK$22.40M · min. income ≈ HK$217,124/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,586,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,648
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$116,696
−HK$3,092/mo
Today · 4.125%
HK$119,788
baseline
▲ 0.50% · 4.625%
HK$126,102
+HK$6,314/mo
Deposit HK$14.93M · loan HK$22.40M · min. income ≈ HK$239,576/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,586,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,182
−HK$7,474/mo
▼ 0.25% · 3.875%
HK$122,889
−HK$3,767/mo
Today · 4.125%
HK$126,656
baseline
▲ 0.50% · 4.625%
HK$134,363
+HK$7,707/mo
Deposit HK$11.20M · loan HK$26.13M · min. income ≈ HK$253,312/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,586,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,589
−HK$7,163/mo
▼ 0.25% · 3.875%
HK$136,145
−HK$3,607/mo
Today · 4.125%
HK$139,752
baseline
▲ 0.50% · 4.625%
HK$147,119
+HK$7,367/mo
Deposit HK$11.20M · loan HK$26.13M · min. income ≈ HK$279,504/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,586,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,234
−HK$9,609/mo
▼ 0.25% · 3.875%
HK$158,001
−HK$4,842/mo
Today · 4.125%
HK$162,843
baseline
▲ 0.50% · 4.625%
HK$172,752
+HK$9,909/mo
Deposit HK$3.73M · loan HK$33.60M · min. income ≈ HK$325,686/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,472
−HK$9,210/mo
▼ 0.25% · 3.875%
HK$175,044
−HK$4,638/mo
Today · 4.125%
HK$179,682
baseline
▲ 0.50% · 4.625%
HK$189,153
+HK$9,471/mo
Deposit HK$3.73M · loan HK$33.60M · min. income ≈ HK$359,364/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,678 · Scale 2, in force from 26 Feb 2026)