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$85,093
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$87,740
−HK$2,689/mo
Today · 4.125%
HK$90,429
baseline
▲ 0.50% · 4.625%
HK$95,931
+HK$5,502/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$180,858/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,585,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,665
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$97,204
−HK$2,575/mo
Today · 4.125%
HK$99,779
baseline
▲ 0.50% · 4.625%
HK$105,039
+HK$5,260/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$199,558/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,585,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,111
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$105,288
−HK$3,227/mo
Today · 4.125%
HK$108,515
baseline
▲ 0.50% · 4.625%
HK$115,118
+HK$6,603/mo
Deposit HK$14.93M · loan HK$22.39M · min. income ≈ HK$217,030/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,585,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,598
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$116,645
−HK$3,090/mo
Today · 4.125%
HK$119,735
baseline
▲ 0.50% · 4.625%
HK$126,047
+HK$6,312/mo
Deposit HK$14.93M · loan HK$22.39M · min. income ≈ HK$239,470/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,585,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,130
−HK$7,470/mo
▼ 0.25% · 3.875%
HK$122,836
−HK$3,764/mo
Today · 4.125%
HK$126,600
baseline
▲ 0.50% · 4.625%
HK$134,304
+HK$7,704/mo
Deposit HK$11.20M · loan HK$26.12M · min. income ≈ HK$253,200/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,585,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,531
−HK$7,160/mo
▼ 0.25% · 3.875%
HK$136,085
−HK$3,606/mo
Today · 4.125%
HK$139,691
baseline
▲ 0.50% · 4.625%
HK$147,054
+HK$7,363/mo
Deposit HK$11.20M · loan HK$26.12M · min. income ≈ HK$279,382/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,585,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,167
−HK$9,605/mo
▼ 0.25% · 3.875%
HK$157,931
−HK$4,841/mo
Today · 4.125%
HK$162,772
baseline
▲ 0.50% · 4.625%
HK$172,676
+HK$9,904/mo
Deposit HK$3.73M · loan HK$33.59M · min. income ≈ HK$325,544/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,585,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,397
−HK$9,206/mo
▼ 0.25% · 3.875%
HK$174,967
−HK$4,636/mo
Today · 4.125%
HK$179,603
baseline
▲ 0.50% · 4.625%
HK$189,070
+HK$9,467/mo
Deposit HK$3.73M · loan HK$33.59M · min. income ≈ HK$359,206/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,585,982 · Scale 2, in force from 26 Feb 2026)