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$84,927
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$87,569
−HK$2,684/mo
Today · 4.125%
HK$90,253
baseline
▲ 0.50% · 4.625%
HK$95,745
+HK$5,492/mo
Deposit HK$18.62M · loan HK$18.62M · min. income ≈ HK$180,506/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,582,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,481
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$97,015
−HK$2,570/mo
Today · 4.125%
HK$99,585
baseline
▲ 0.50% · 4.625%
HK$104,834
+HK$5,249/mo
Deposit HK$18.62M · loan HK$18.62M · min. income ≈ HK$199,170/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,582,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,913
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$105,083
−HK$3,220/mo
Today · 4.125%
HK$108,303
baseline
▲ 0.50% · 4.625%
HK$114,893
+HK$6,590/mo
Deposit HK$14.90M · loan HK$22.35M · min. income ≈ HK$216,606/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,582,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,377
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$116,418
−HK$3,084/mo
Today · 4.125%
HK$119,502
baseline
▲ 0.50% · 4.625%
HK$125,801
+HK$6,299/mo
Deposit HK$14.90M · loan HK$22.35M · min. income ≈ HK$239,004/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,582,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,898
−HK$7,456/mo
▼ 0.25% · 3.875%
HK$122,597
−HK$3,757/mo
Today · 4.125%
HK$126,354
baseline
▲ 0.50% · 4.625%
HK$134,042
+HK$7,688/mo
Deposit HK$11.17M · loan HK$26.07M · min. income ≈ HK$252,708/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,582,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,273
−HK$7,146/mo
▼ 0.25% · 3.875%
HK$135,820
−HK$3,599/mo
Today · 4.125%
HK$139,419
baseline
▲ 0.50% · 4.625%
HK$146,768
+HK$7,349/mo
Deposit HK$11.17M · loan HK$26.07M · min. income ≈ HK$278,838/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,582,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,869
−HK$9,586/mo
▼ 0.25% · 3.875%
HK$157,624
−HK$4,831/mo
Today · 4.125%
HK$162,455
baseline
▲ 0.50% · 4.625%
HK$172,340
+HK$9,885/mo
Deposit HK$3.72M · loan HK$33.52M · min. income ≈ HK$324,910/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,582,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,065
−HK$9,188/mo
▼ 0.25% · 3.875%
HK$174,626
−HK$4,627/mo
Today · 4.125%
HK$179,253
baseline
▲ 0.50% · 4.625%
HK$188,702
+HK$9,449/mo
Deposit HK$3.72M · loan HK$33.52M · min. income ≈ HK$358,506/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,582,896 · Scale 2, in force from 26 Feb 2026)