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$85,190
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$87,840
−HK$2,693/mo
Today · 4.125%
HK$90,533
baseline
▲ 0.50% · 4.625%
HK$96,041
+HK$5,508/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$181,066/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,587,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,773
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$97,315
−HK$2,579/mo
Today · 4.125%
HK$99,894
baseline
▲ 0.50% · 4.625%
HK$105,159
+HK$5,265/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$199,788/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,587,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,228
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$105,408
−HK$3,231/mo
Today · 4.125%
HK$108,639
baseline
▲ 0.50% · 4.625%
HK$115,250
+HK$6,611/mo
Deposit HK$14.94M · loan HK$22.42M · min. income ≈ HK$217,278/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,587,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,728
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$116,778
−HK$3,095/mo
Today · 4.125%
HK$119,873
baseline
▲ 0.50% · 4.625%
HK$126,191
+HK$6,318/mo
Deposit HK$14.94M · loan HK$22.42M · min. income ≈ HK$239,746/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,587,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,267
−HK$7,479/mo
▼ 0.25% · 3.875%
HK$122,976
−HK$3,770/mo
Today · 4.125%
HK$126,746
baseline
▲ 0.50% · 4.625%
HK$134,458
+HK$7,712/mo
Deposit HK$11.21M · loan HK$26.15M · min. income ≈ HK$253,492/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,587,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,683
−HK$7,168/mo
▼ 0.25% · 3.875%
HK$136,241
−HK$3,610/mo
Today · 4.125%
HK$139,851
baseline
▲ 0.50% · 4.625%
HK$147,223
+HK$7,372/mo
Deposit HK$11.21M · loan HK$26.15M · min. income ≈ HK$279,702/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,587,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,343
−HK$9,616/mo
▼ 0.25% · 3.875%
HK$158,113
−HK$4,846/mo
Today · 4.125%
HK$162,959
baseline
▲ 0.50% · 4.625%
HK$172,874
+HK$9,915/mo
Deposit HK$3.74M · loan HK$33.62M · min. income ≈ HK$325,918/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,592
−HK$9,217/mo
▼ 0.25% · 3.875%
HK$175,167
−HK$4,642/mo
Today · 4.125%
HK$179,809
baseline
▲ 0.50% · 4.625%
HK$189,287
+HK$9,478/mo
Deposit HK$3.74M · loan HK$33.62M · min. income ≈ HK$359,618/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,801 · Scale 2, in force from 26 Feb 2026)