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$85,411
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$88,068
−HK$2,699/mo
Today · 4.125%
HK$90,767
baseline
▲ 0.50% · 4.625%
HK$96,290
+HK$5,523/mo
Deposit HK$18.73M · loan HK$18.73M · min. income ≈ HK$181,534/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,591,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,019
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$97,567
−HK$2,585/mo
Today · 4.125%
HK$100,152
baseline
▲ 0.50% · 4.625%
HK$105,432
+HK$5,280/mo
Deposit HK$18.73M · loan HK$18.73M · min. income ≈ HK$200,304/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,591,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,493
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$105,681
−HK$3,239/mo
Today · 4.125%
HK$108,920
baseline
▲ 0.50% · 4.625%
HK$115,548
+HK$6,628/mo
Deposit HK$14.98M · loan HK$22.47M · min. income ≈ HK$217,840/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,591,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,023
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$117,081
−HK$3,102/mo
Today · 4.125%
HK$120,183
baseline
▲ 0.50% · 4.625%
HK$126,518
+HK$6,335/mo
Deposit HK$14.98M · loan HK$22.47M · min. income ≈ HK$240,366/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,591,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,575
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$123,295
−HK$3,779/mo
Today · 4.125%
HK$127,074
baseline
▲ 0.50% · 4.625%
HK$134,806
+HK$7,732/mo
Deposit HK$11.24M · loan HK$26.22M · min. income ≈ HK$254,148/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,591,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,026
−HK$7,187/mo
▼ 0.25% · 3.875%
HK$136,594
−HK$3,619/mo
Today · 4.125%
HK$140,213
baseline
▲ 0.50% · 4.625%
HK$147,604
+HK$7,391/mo
Deposit HK$11.24M · loan HK$26.22M · min. income ≈ HK$280,426/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,591,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,740
−HK$9,641/mo
▼ 0.25% · 3.875%
HK$158,522
−HK$4,859/mo
Today · 4.125%
HK$163,381
baseline
▲ 0.50% · 4.625%
HK$173,322
+HK$9,941/mo
Deposit HK$3.75M · loan HK$33.71M · min. income ≈ HK$326,762/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,591,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,034
−HK$9,240/mo
▼ 0.25% · 3.875%
HK$175,621
−HK$4,653/mo
Today · 4.125%
HK$180,274
baseline
▲ 0.50% · 4.625%
HK$189,777
+HK$9,503/mo
Deposit HK$3.75M · loan HK$33.71M · min. income ≈ HK$360,548/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,591,912 · Scale 2, in force from 26 Feb 2026)