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$85,023
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$87,668
−HK$2,687/mo
Today · 4.125%
HK$90,355
baseline
▲ 0.50% · 4.625%
HK$95,853
+HK$5,498/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$180,710/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$1,584,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,587
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$97,124
−HK$2,574/mo
Today · 4.125%
HK$99,698
baseline
▲ 0.50% · 4.625%
HK$104,953
+HK$5,255/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$199,396/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$1,584,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,028
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$105,201
−HK$3,225/mo
Today · 4.125%
HK$108,426
baseline
▲ 0.50% · 4.625%
HK$115,023
+HK$6,597/mo
Deposit HK$14.91M · loan HK$22.37M · min. income ≈ HK$216,852/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,584,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,505
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$116,549
−HK$3,088/mo
Today · 4.125%
HK$119,637
baseline
▲ 0.50% · 4.625%
HK$125,943
+HK$6,306/mo
Deposit HK$14.91M · loan HK$22.37M · min. income ≈ HK$239,274/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,584,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,032
−HK$7,465/mo
▼ 0.25% · 3.875%
HK$122,735
−HK$3,762/mo
Today · 4.125%
HK$126,497
baseline
▲ 0.50% · 4.625%
HK$134,194
+HK$7,697/mo
Deposit HK$11.19M · loan HK$26.10M · min. income ≈ HK$252,994/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,422
−HK$7,155/mo
▼ 0.25% · 3.875%
HK$135,974
−HK$3,603/mo
Today · 4.125%
HK$139,577
baseline
▲ 0.50% · 4.625%
HK$146,934
+HK$7,357/mo
Deposit HK$11.19M · loan HK$26.10M · min. income ≈ HK$279,154/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,042
−HK$9,597/mo
▼ 0.25% · 3.875%
HK$157,802
−HK$4,837/mo
Today · 4.125%
HK$162,639
baseline
▲ 0.50% · 4.625%
HK$172,535
+HK$9,896/mo
Deposit HK$3.73M · loan HK$33.56M · min. income ≈ HK$325,278/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,257
−HK$9,199/mo
▼ 0.25% · 3.875%
HK$174,823
−HK$4,633/mo
Today · 4.125%
HK$179,456
baseline
▲ 0.50% · 4.625%
HK$188,915
+HK$9,459/mo
Deposit HK$3.73M · loan HK$33.56M · min. income ≈ HK$358,912/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,682 · Scale 2, in force from 26 Feb 2026)