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$85,281
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,934
−HK$2,695/mo
Today · 4.125%
HK$90,629
baseline
▲ 0.50% · 4.625%
HK$96,144
+HK$5,515/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$181,258/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,875
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$97,419
−HK$2,581/mo
Today · 4.125%
HK$100,000
baseline
▲ 0.50% · 4.625%
HK$105,272
+HK$5,272/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$200,000/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,338
−HK$6,417/mo
▼ 0.25% · 3.875%
HK$105,521
−HK$3,234/mo
Today · 4.125%
HK$108,755
baseline
▲ 0.50% · 4.625%
HK$115,373
+HK$6,618/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$217,510/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,850
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$116,903
−HK$3,098/mo
Today · 4.125%
HK$120,001
baseline
▲ 0.50% · 4.625%
HK$126,326
+HK$6,325/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$240,002/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,394
−HK$7,487/mo
▼ 0.25% · 3.875%
HK$123,108
−HK$3,773/mo
Today · 4.125%
HK$126,881
baseline
▲ 0.50% · 4.625%
HK$134,601
+HK$7,720/mo
Deposit HK$11.22M · loan HK$26.18M · min. income ≈ HK$253,762/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,825
−HK$7,176/mo
▼ 0.25% · 3.875%
HK$136,387
−HK$3,614/mo
Today · 4.125%
HK$140,001
baseline
▲ 0.50% · 4.625%
HK$147,380
+HK$7,379/mo
Deposit HK$11.22M · loan HK$26.18M · min. income ≈ HK$280,002/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,506
−HK$9,627/mo
▼ 0.25% · 3.875%
HK$158,281
−HK$4,852/mo
Today · 4.125%
HK$163,133
baseline
▲ 0.50% · 4.625%
HK$173,059
+HK$9,926/mo
Deposit HK$3.74M · loan HK$33.66M · min. income ≈ HK$326,266/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,774
−HK$9,227/mo
▼ 0.25% · 3.875%
HK$175,354
−HK$4,647/mo
Today · 4.125%
HK$180,001
baseline
▲ 0.50% · 4.625%
HK$189,489
+HK$9,488/mo
Deposit HK$3.74M · loan HK$33.66M · min. income ≈ HK$360,002/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,496 · Scale 2, in force from 26 Feb 2026)