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$84,933
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$87,575
−HK$2,684/mo
Today · 4.125%
HK$90,259
baseline
▲ 0.50% · 4.625%
HK$95,751
+HK$5,492/mo
Deposit HK$18.62M · loan HK$18.62M · min. income ≈ HK$180,518/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,583,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,487
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,021
−HK$2,571/mo
Today · 4.125%
HK$99,592
baseline
▲ 0.50% · 4.625%
HK$104,842
+HK$5,250/mo
Deposit HK$18.62M · loan HK$18.62M · min. income ≈ HK$199,184/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,583,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,920
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$105,090
−HK$3,221/mo
Today · 4.125%
HK$108,311
baseline
▲ 0.50% · 4.625%
HK$114,902
+HK$6,591/mo
Deposit HK$14.90M · loan HK$22.35M · min. income ≈ HK$216,622/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,583,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,385
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$116,426
−HK$3,085/mo
Today · 4.125%
HK$119,511
baseline
▲ 0.50% · 4.625%
HK$125,810
+HK$6,299/mo
Deposit HK$14.90M · loan HK$22.35M · min. income ≈ HK$239,022/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,583,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,906
−HK$7,457/mo
▼ 0.25% · 3.875%
HK$122,605
−HK$3,758/mo
Today · 4.125%
HK$126,363
baseline
▲ 0.50% · 4.625%
HK$134,052
+HK$7,689/mo
Deposit HK$11.17M · loan HK$26.07M · min. income ≈ HK$252,726/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,282
−HK$7,147/mo
▼ 0.25% · 3.875%
HK$135,830
−HK$3,599/mo
Today · 4.125%
HK$139,429
baseline
▲ 0.50% · 4.625%
HK$146,778
+HK$7,349/mo
Deposit HK$11.17M · loan HK$26.07M · min. income ≈ HK$278,858/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,880
−HK$9,587/mo
▼ 0.25% · 3.875%
HK$157,635
−HK$4,832/mo
Today · 4.125%
HK$162,467
baseline
▲ 0.50% · 4.625%
HK$172,352
+HK$9,885/mo
Deposit HK$3.72M · loan HK$33.52M · min. income ≈ HK$324,934/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,077
−HK$9,189/mo
▼ 0.25% · 3.875%
HK$174,638
−HK$4,628/mo
Today · 4.125%
HK$179,266
baseline
▲ 0.50% · 4.625%
HK$188,715
+HK$9,449/mo
Deposit HK$3.72M · loan HK$33.52M · min. income ≈ HK$358,532/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,006 · Scale 2, in force from 26 Feb 2026)