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$84,686
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$87,320
−HK$2,676/mo
Today · 4.125%
HK$89,996
baseline
▲ 0.50% · 4.625%
HK$95,472
+HK$5,476/mo
Deposit HK$18.57M · loan HK$18.57M · min. income ≈ HK$179,992/mo (50% DSR)
Upfront cash ≈ HK$20.15M (deposit + AVD stamp duty HK$1,578,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,212
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$96,739
−HK$2,563/mo
Today · 4.125%
HK$99,302
baseline
▲ 0.50% · 4.625%
HK$104,536
+HK$5,234/mo
Deposit HK$18.57M · loan HK$18.57M · min. income ≈ HK$198,604/mo (50% DSR)
Upfront cash ≈ HK$20.15M (deposit + AVD stamp duty HK$1,578,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,623
−HK$6,373/mo
▼ 0.25% · 3.875%
HK$104,784
−HK$3,212/mo
Today · 4.125%
HK$107,996
baseline
▲ 0.50% · 4.625%
HK$114,567
+HK$6,571/mo
Deposit HK$14.86M · loan HK$22.28M · min. income ≈ HK$215,992/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,578,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,055
−HK$6,108/mo
▼ 0.25% · 3.875%
HK$116,087
−HK$3,076/mo
Today · 4.125%
HK$119,163
baseline
▲ 0.50% · 4.625%
HK$125,444
+HK$6,281/mo
Deposit HK$14.86M · loan HK$22.28M · min. income ≈ HK$238,326/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,578,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,560
−HK$7,435/mo
▼ 0.25% · 3.875%
HK$122,248
−HK$3,747/mo
Today · 4.125%
HK$125,995
baseline
▲ 0.50% · 4.625%
HK$133,661
+HK$7,666/mo
Deposit HK$11.14M · loan HK$26.00M · min. income ≈ HK$251,990/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,578,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,897
−HK$7,126/mo
▼ 0.25% · 3.875%
HK$135,434
−HK$3,589/mo
Today · 4.125%
HK$139,023
baseline
▲ 0.50% · 4.625%
HK$146,351
+HK$7,328/mo
Deposit HK$11.14M · loan HK$26.00M · min. income ≈ HK$278,046/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,578,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,434
−HK$9,559/mo
▼ 0.25% · 3.875%
HK$157,176
−HK$4,817/mo
Today · 4.125%
HK$161,993
baseline
▲ 0.50% · 4.625%
HK$171,850
+HK$9,857/mo
Deposit HK$3.71M · loan HK$33.42M · min. income ≈ HK$323,986/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,578,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,582
−HK$9,162/mo
▼ 0.25% · 3.875%
HK$174,130
−HK$4,614/mo
Today · 4.125%
HK$178,744
baseline
▲ 0.50% · 4.625%
HK$188,166
+HK$9,422/mo
Deposit HK$3.71M · loan HK$33.42M · min. income ≈ HK$357,488/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,578,396 · Scale 2, in force from 26 Feb 2026)