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$84,978
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$87,621
−HK$2,686/mo
Today · 4.125%
HK$90,307
baseline
▲ 0.50% · 4.625%
HK$95,802
+HK$5,495/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$180,614/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,583,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,537
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$97,073
−HK$2,572/mo
Today · 4.125%
HK$99,645
baseline
▲ 0.50% · 4.625%
HK$104,897
+HK$5,252/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$199,290/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,583,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,974
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$105,146
−HK$3,222/mo
Today · 4.125%
HK$108,368
baseline
▲ 0.50% · 4.625%
HK$114,962
+HK$6,594/mo
Deposit HK$14.91M · loan HK$22.36M · min. income ≈ HK$216,736/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,445
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$116,487
−HK$3,087/mo
Today · 4.125%
HK$119,574
baseline
▲ 0.50% · 4.625%
HK$125,877
+HK$6,303/mo
Deposit HK$14.91M · loan HK$22.36M · min. income ≈ HK$239,148/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,969
−HK$7,461/mo
▼ 0.25% · 3.875%
HK$122,670
−HK$3,760/mo
Today · 4.125%
HK$126,430
baseline
▲ 0.50% · 4.625%
HK$134,123
+HK$7,693/mo
Deposit HK$11.18M · loan HK$26.09M · min. income ≈ HK$252,860/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,352
−HK$7,151/mo
▼ 0.25% · 3.875%
HK$135,902
−HK$3,601/mo
Today · 4.125%
HK$139,503
baseline
▲ 0.50% · 4.625%
HK$146,856
+HK$7,353/mo
Deposit HK$11.18M · loan HK$26.09M · min. income ≈ HK$279,006/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,961
−HK$9,592/mo
▼ 0.25% · 3.875%
HK$157,719
−HK$4,834/mo
Today · 4.125%
HK$162,553
baseline
▲ 0.50% · 4.625%
HK$172,444
+HK$9,891/mo
Deposit HK$3.73M · loan HK$33.54M · min. income ≈ HK$325,106/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,167
−HK$9,194/mo
▼ 0.25% · 3.875%
HK$174,731
−HK$4,630/mo
Today · 4.125%
HK$179,361
baseline
▲ 0.50% · 4.625%
HK$188,815
+HK$9,454/mo
Deposit HK$3.73M · loan HK$33.54M · min. income ≈ HK$358,722/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,845 · Scale 2, in force from 26 Feb 2026)