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$84,866
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$87,506
−HK$2,682/mo
Today · 4.125%
HK$90,188
baseline
▲ 0.50% · 4.625%
HK$95,676
+HK$5,488/mo
Deposit HK$18.61M · loan HK$18.61M · min. income ≈ HK$180,376/mo (50% DSR)
Upfront cash ≈ HK$20.19M (deposit + AVD stamp duty HK$1,581,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,413
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$96,945
−HK$2,568/mo
Today · 4.125%
HK$99,513
baseline
▲ 0.50% · 4.625%
HK$104,759
+HK$5,246/mo
Deposit HK$18.61M · loan HK$18.61M · min. income ≈ HK$199,026/mo (50% DSR)
Upfront cash ≈ HK$20.19M (deposit + AVD stamp duty HK$1,581,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,839
−HK$6,386/mo
▼ 0.25% · 3.875%
HK$105,007
−HK$3,218/mo
Today · 4.125%
HK$108,225
baseline
▲ 0.50% · 4.625%
HK$114,811
+HK$6,586/mo
Deposit HK$14.89M · loan HK$22.33M · min. income ≈ HK$216,450/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,581,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,295
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$116,334
−HK$3,082/mo
Today · 4.125%
HK$119,416
baseline
▲ 0.50% · 4.625%
HK$125,711
+HK$6,295/mo
Deposit HK$14.89M · loan HK$22.33M · min. income ≈ HK$238,832/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,581,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,812
−HK$7,451/mo
▼ 0.25% · 3.875%
HK$122,508
−HK$3,755/mo
Today · 4.125%
HK$126,263
baseline
▲ 0.50% · 4.625%
HK$133,946
+HK$7,683/mo
Deposit HK$11.17M · loan HK$26.05M · min. income ≈ HK$252,526/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,581,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,178
−HK$7,141/mo
▼ 0.25% · 3.875%
HK$135,723
−HK$3,596/mo
Today · 4.125%
HK$139,319
baseline
▲ 0.50% · 4.625%
HK$146,663
+HK$7,344/mo
Deposit HK$11.17M · loan HK$26.05M · min. income ≈ HK$278,638/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,581,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,759
−HK$9,579/mo
▼ 0.25% · 3.875%
HK$157,511
−HK$4,827/mo
Today · 4.125%
HK$162,338
baseline
▲ 0.50% · 4.625%
HK$172,216
+HK$9,878/mo
Deposit HK$3.72M · loan HK$33.50M · min. income ≈ HK$324,676/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,581,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,943
−HK$9,181/mo
▼ 0.25% · 3.875%
HK$174,501
−HK$4,623/mo
Today · 4.125%
HK$179,124
baseline
▲ 0.50% · 4.625%
HK$188,566
+HK$9,442/mo
Deposit HK$3.72M · loan HK$33.50M · min. income ≈ HK$358,248/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,581,756 · Scale 2, in force from 26 Feb 2026)