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$84,930
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,571
−HK$2,684/mo
Today · 4.125%
HK$90,255
baseline
▲ 0.50% · 4.625%
HK$95,747
+HK$5,492/mo
Deposit HK$18.62M · loan HK$18.62M · min. income ≈ HK$180,510/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,582,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,483
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,017
−HK$2,571/mo
Today · 4.125%
HK$99,588
baseline
▲ 0.50% · 4.625%
HK$104,837
+HK$5,249/mo
Deposit HK$18.62M · loan HK$18.62M · min. income ≈ HK$199,176/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,582,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,916
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$105,086
−HK$3,221/mo
Today · 4.125%
HK$108,307
baseline
▲ 0.50% · 4.625%
HK$114,897
+HK$6,590/mo
Deposit HK$14.90M · loan HK$22.35M · min. income ≈ HK$216,614/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,582,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,380
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$116,421
−HK$3,085/mo
Today · 4.125%
HK$119,506
baseline
▲ 0.50% · 4.625%
HK$125,805
+HK$6,299/mo
Deposit HK$14.90M · loan HK$22.35M · min. income ≈ HK$239,012/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,582,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,901
−HK$7,457/mo
▼ 0.25% · 3.875%
HK$122,600
−HK$3,758/mo
Today · 4.125%
HK$126,358
baseline
▲ 0.50% · 4.625%
HK$134,046
+HK$7,688/mo
Deposit HK$11.17M · loan HK$26.07M · min. income ≈ HK$252,716/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,582,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,277
−HK$7,146/mo
▼ 0.25% · 3.875%
HK$135,824
−HK$3,599/mo
Today · 4.125%
HK$139,423
baseline
▲ 0.50% · 4.625%
HK$146,772
+HK$7,349/mo
Deposit HK$11.17M · loan HK$26.07M · min. income ≈ HK$278,846/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,582,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,873
−HK$9,587/mo
▼ 0.25% · 3.875%
HK$157,629
−HK$4,831/mo
Today · 4.125%
HK$162,460
baseline
▲ 0.50% · 4.625%
HK$172,345
+HK$9,885/mo
Deposit HK$3.72M · loan HK$33.52M · min. income ≈ HK$324,920/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,582,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,070
−HK$9,188/mo
▼ 0.25% · 3.875%
HK$174,631
−HK$4,627/mo
Today · 4.125%
HK$179,258
baseline
▲ 0.50% · 4.625%
HK$188,707
+HK$9,449/mo
Deposit HK$3.72M · loan HK$33.52M · min. income ≈ HK$358,516/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,582,940 · Scale 2, in force from 26 Feb 2026)