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$84,962
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,605
−HK$2,685/mo
Today · 4.125%
HK$90,290
baseline
▲ 0.50% · 4.625%
HK$95,784
+HK$5,494/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$180,580/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,583,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,520
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$97,055
−HK$2,571/mo
Today · 4.125%
HK$99,626
baseline
▲ 0.50% · 4.625%
HK$104,878
+HK$5,252/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$199,252/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,583,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,955
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$105,126
−HK$3,222/mo
Today · 4.125%
HK$108,348
baseline
▲ 0.50% · 4.625%
HK$114,941
+HK$6,593/mo
Deposit HK$14.90M · loan HK$22.36M · min. income ≈ HK$216,696/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,423
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$116,465
−HK$3,086/mo
Today · 4.125%
HK$119,551
baseline
▲ 0.50% · 4.625%
HK$125,853
+HK$6,302/mo
Deposit HK$14.90M · loan HK$22.36M · min. income ≈ HK$239,102/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,947
−HK$7,459/mo
▼ 0.25% · 3.875%
HK$122,647
−HK$3,759/mo
Today · 4.125%
HK$126,406
baseline
▲ 0.50% · 4.625%
HK$134,098
+HK$7,692/mo
Deposit HK$11.18M · loan HK$26.08M · min. income ≈ HK$252,812/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,327
−HK$7,150/mo
▼ 0.25% · 3.875%
HK$135,876
−HK$3,601/mo
Today · 4.125%
HK$139,477
baseline
▲ 0.50% · 4.625%
HK$146,829
+HK$7,352/mo
Deposit HK$11.18M · loan HK$26.08M · min. income ≈ HK$278,954/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,932
−HK$9,590/mo
▼ 0.25% · 3.875%
HK$157,689
−HK$4,833/mo
Today · 4.125%
HK$162,522
baseline
▲ 0.50% · 4.625%
HK$172,411
+HK$9,889/mo
Deposit HK$3.73M · loan HK$33.53M · min. income ≈ HK$325,044/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,135
−HK$9,192/mo
▼ 0.25% · 3.875%
HK$174,698
−HK$4,629/mo
Today · 4.125%
HK$179,327
baseline
▲ 0.50% · 4.625%
HK$188,780
+HK$9,453/mo
Deposit HK$3.73M · loan HK$33.53M · min. income ≈ HK$358,654/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,547 · Scale 2, in force from 26 Feb 2026)