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$85,456
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$88,114
−HK$2,701/mo
Today · 4.125%
HK$90,815
baseline
▲ 0.50% · 4.625%
HK$96,340
+HK$5,525/mo
Deposit HK$18.74M · loan HK$18.74M · min. income ≈ HK$181,630/mo (50% DSR)
Upfront cash ≈ HK$20.33M (deposit + AVD stamp duty HK$1,592,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,069
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$97,618
−HK$2,587/mo
Today · 4.125%
HK$100,205
baseline
▲ 0.50% · 4.625%
HK$105,487
+HK$5,282/mo
Deposit HK$18.74M · loan HK$18.74M · min. income ≈ HK$200,410/mo (50% DSR)
Upfront cash ≈ HK$20.33M (deposit + AVD stamp duty HK$1,592,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,547
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$105,737
−HK$3,241/mo
Today · 4.125%
HK$108,978
baseline
▲ 0.50% · 4.625%
HK$115,609
+HK$6,631/mo
Deposit HK$14.99M · loan HK$22.49M · min. income ≈ HK$217,956/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,592,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,082
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$117,142
−HK$3,104/mo
Today · 4.125%
HK$120,246
baseline
▲ 0.50% · 4.625%
HK$126,584
+HK$6,338/mo
Deposit HK$14.99M · loan HK$22.49M · min. income ≈ HK$240,492/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,592,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,638
−HK$7,502/mo
▼ 0.25% · 3.875%
HK$123,360
−HK$3,780/mo
Today · 4.125%
HK$127,140
baseline
▲ 0.50% · 4.625%
HK$134,877
+HK$7,737/mo
Deposit HK$11.24M · loan HK$26.23M · min. income ≈ HK$254,280/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,592,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,096
−HK$7,191/mo
▼ 0.25% · 3.875%
HK$136,666
−HK$3,621/mo
Today · 4.125%
HK$140,287
baseline
▲ 0.50% · 4.625%
HK$147,682
+HK$7,395/mo
Deposit HK$11.24M · loan HK$26.23M · min. income ≈ HK$280,574/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,592,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,820
−HK$9,646/mo
▼ 0.25% · 3.875%
HK$158,605
−HK$4,861/mo
Today · 4.125%
HK$163,466
baseline
▲ 0.50% · 4.625%
HK$173,413
+HK$9,947/mo
Deposit HK$3.75M · loan HK$33.73M · min. income ≈ HK$326,932/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,592,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,124
−HK$9,245/mo
▼ 0.25% · 3.875%
HK$175,713
−HK$4,656/mo
Today · 4.125%
HK$180,369
baseline
▲ 0.50% · 4.625%
HK$189,876
+HK$9,507/mo
Deposit HK$3.75M · loan HK$33.73M · min. income ≈ HK$360,738/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,592,747 · Scale 2, in force from 26 Feb 2026)