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$84,848
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$87,487
−HK$2,682/mo
Today · 4.125%
HK$90,169
baseline
▲ 0.50% · 4.625%
HK$95,655
+HK$5,486/mo
Deposit HK$18.60M · loan HK$18.60M · min. income ≈ HK$180,338/mo (50% DSR)
Upfront cash ≈ HK$20.19M (deposit + AVD stamp duty HK$1,581,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,392
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$96,924
−HK$2,568/mo
Today · 4.125%
HK$99,492
baseline
▲ 0.50% · 4.625%
HK$104,737
+HK$5,245/mo
Deposit HK$18.60M · loan HK$18.60M · min. income ≈ HK$198,984/mo (50% DSR)
Upfront cash ≈ HK$20.19M (deposit + AVD stamp duty HK$1,581,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,817
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$104,985
−HK$3,217/mo
Today · 4.125%
HK$108,202
baseline
▲ 0.50% · 4.625%
HK$114,786
+HK$6,584/mo
Deposit HK$14.88M · loan HK$22.33M · min. income ≈ HK$216,404/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,581,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,271
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$116,309
−HK$3,082/mo
Today · 4.125%
HK$119,391
baseline
▲ 0.50% · 4.625%
HK$125,684
+HK$6,293/mo
Deposit HK$14.88M · loan HK$22.33M · min. income ≈ HK$238,782/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,581,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,787
−HK$7,449/mo
▼ 0.25% · 3.875%
HK$122,482
−HK$3,754/mo
Today · 4.125%
HK$126,236
baseline
▲ 0.50% · 4.625%
HK$133,917
+HK$7,681/mo
Deposit HK$11.16M · loan HK$26.05M · min. income ≈ HK$252,472/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,581,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,149
−HK$7,140/mo
▼ 0.25% · 3.875%
HK$135,694
−HK$3,595/mo
Today · 4.125%
HK$139,289
baseline
▲ 0.50% · 4.625%
HK$146,631
+HK$7,342/mo
Deposit HK$11.16M · loan HK$26.05M · min. income ≈ HK$278,578/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,581,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,726
−HK$9,577/mo
▼ 0.25% · 3.875%
HK$157,477
−HK$4,826/mo
Today · 4.125%
HK$162,303
baseline
▲ 0.50% · 4.625%
HK$172,179
+HK$9,876/mo
Deposit HK$3.72M · loan HK$33.49M · min. income ≈ HK$324,606/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,581,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,906
−HK$9,180/mo
▼ 0.25% · 3.875%
HK$174,463
−HK$4,623/mo
Today · 4.125%
HK$179,086
baseline
▲ 0.50% · 4.625%
HK$188,526
+HK$9,440/mo
Deposit HK$3.72M · loan HK$33.49M · min. income ≈ HK$358,172/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,581,417 · Scale 2, in force from 26 Feb 2026)