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$85,203
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$87,853
−HK$2,693/mo
Today · 4.125%
HK$90,546
baseline
▲ 0.50% · 4.625%
HK$96,055
+HK$5,509/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$181,092/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,588,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,787
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$97,329
−HK$2,579/mo
Today · 4.125%
HK$99,908
baseline
▲ 0.50% · 4.625%
HK$105,175
+HK$5,267/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$199,816/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,588,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,243
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$105,424
−HK$3,231/mo
Today · 4.125%
HK$108,655
baseline
▲ 0.50% · 4.625%
HK$115,266
+HK$6,611/mo
Deposit HK$14.95M · loan HK$22.42M · min. income ≈ HK$217,310/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,588,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,745
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$116,795
−HK$3,095/mo
Today · 4.125%
HK$119,890
baseline
▲ 0.50% · 4.625%
HK$126,209
+HK$6,319/mo
Deposit HK$14.95M · loan HK$22.42M · min. income ≈ HK$239,780/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,588,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,284
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$122,994
−HK$3,770/mo
Today · 4.125%
HK$126,764
baseline
▲ 0.50% · 4.625%
HK$134,477
+HK$7,713/mo
Deposit HK$11.21M · loan HK$26.16M · min. income ≈ HK$253,528/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,588,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,702
−HK$7,170/mo
▼ 0.25% · 3.875%
HK$136,261
−HK$3,611/mo
Today · 4.125%
HK$139,872
baseline
▲ 0.50% · 4.625%
HK$147,244
+HK$7,372/mo
Deposit HK$11.21M · loan HK$26.16M · min. income ≈ HK$279,744/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,588,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,365
−HK$9,617/mo
▼ 0.25% · 3.875%
HK$158,135
−HK$4,847/mo
Today · 4.125%
HK$162,982
baseline
▲ 0.50% · 4.625%
HK$172,899
+HK$9,917/mo
Deposit HK$3.74M · loan HK$33.63M · min. income ≈ HK$325,964/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,588,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,617
−HK$9,218/mo
▼ 0.25% · 3.875%
HK$175,193
−HK$4,642/mo
Today · 4.125%
HK$179,835
baseline
▲ 0.50% · 4.625%
HK$189,314
+HK$9,479/mo
Deposit HK$3.74M · loan HK$33.63M · min. income ≈ HK$359,670/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,588,031 · Scale 2, in force from 26 Feb 2026)