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$85,263
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$87,915
−HK$2,695/mo
Today · 4.125%
HK$90,610
baseline
▲ 0.50% · 4.625%
HK$96,123
+HK$5,513/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$181,220/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,854
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$97,398
−HK$2,581/mo
Today · 4.125%
HK$99,979
baseline
▲ 0.50% · 4.625%
HK$105,249
+HK$5,270/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$199,958/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,316
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$105,498
−HK$3,234/mo
Today · 4.125%
HK$108,732
baseline
▲ 0.50% · 4.625%
HK$115,348
+HK$6,616/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$217,464/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,825
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$116,878
−HK$3,097/mo
Today · 4.125%
HK$119,975
baseline
▲ 0.50% · 4.625%
HK$126,299
+HK$6,324/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$239,950/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,368
−HK$7,486/mo
▼ 0.25% · 3.875%
HK$123,081
−HK$3,773/mo
Today · 4.125%
HK$126,854
baseline
▲ 0.50% · 4.625%
HK$134,572
+HK$7,718/mo
Deposit HK$11.22M · loan HK$26.17M · min. income ≈ HK$253,708/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,796
−HK$7,174/mo
▼ 0.25% · 3.875%
HK$136,357
−HK$3,613/mo
Today · 4.125%
HK$139,970
baseline
▲ 0.50% · 4.625%
HK$147,348
+HK$7,378/mo
Deposit HK$11.22M · loan HK$26.17M · min. income ≈ HK$279,940/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,473
−HK$9,624/mo
▼ 0.25% · 3.875%
HK$158,247
−HK$4,850/mo
Today · 4.125%
HK$163,097
baseline
▲ 0.50% · 4.625%
HK$173,022
+HK$9,925/mo
Deposit HK$3.74M · loan HK$33.65M · min. income ≈ HK$326,194/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,738
−HK$9,224/mo
▼ 0.25% · 3.875%
HK$175,317
−HK$4,645/mo
Today · 4.125%
HK$179,962
baseline
▲ 0.50% · 4.625%
HK$189,448
+HK$9,486/mo
Deposit HK$3.74M · loan HK$33.65M · min. income ≈ HK$359,924/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,153 · Scale 2, in force from 26 Feb 2026)