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$84,967
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,610
−HK$2,685/mo
Today · 4.125%
HK$90,295
baseline
▲ 0.50% · 4.625%
HK$95,789
+HK$5,494/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$180,590/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,583,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,525
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$97,060
−HK$2,572/mo
Today · 4.125%
HK$99,632
baseline
▲ 0.50% · 4.625%
HK$104,883
+HK$5,251/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$199,264/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,583,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,960
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$105,132
−HK$3,222/mo
Today · 4.125%
HK$108,354
baseline
▲ 0.50% · 4.625%
HK$114,947
+HK$6,593/mo
Deposit HK$14.90M · loan HK$22.36M · min. income ≈ HK$216,708/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,430
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$116,472
−HK$3,086/mo
Today · 4.125%
HK$119,558
baseline
▲ 0.50% · 4.625%
HK$125,860
+HK$6,302/mo
Deposit HK$14.90M · loan HK$22.36M · min. income ≈ HK$239,116/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,954
−HK$7,459/mo
▼ 0.25% · 3.875%
HK$122,654
−HK$3,759/mo
Today · 4.125%
HK$126,413
baseline
▲ 0.50% · 4.625%
HK$134,105
+HK$7,692/mo
Deposit HK$11.18M · loan HK$26.08M · min. income ≈ HK$252,826/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,335
−HK$7,149/mo
▼ 0.25% · 3.875%
HK$135,884
−HK$3,600/mo
Today · 4.125%
HK$139,484
baseline
▲ 0.50% · 4.625%
HK$146,837
+HK$7,353/mo
Deposit HK$11.18M · loan HK$26.08M · min. income ≈ HK$278,968/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,940
−HK$9,591/mo
▼ 0.25% · 3.875%
HK$157,698
−HK$4,833/mo
Today · 4.125%
HK$162,531
baseline
▲ 0.50% · 4.625%
HK$172,421
+HK$9,890/mo
Deposit HK$3.73M · loan HK$33.54M · min. income ≈ HK$325,062/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,145
−HK$9,192/mo
▼ 0.25% · 3.875%
HK$174,708
−HK$4,629/mo
Today · 4.125%
HK$179,337
baseline
▲ 0.50% · 4.625%
HK$188,790
+HK$9,453/mo
Deposit HK$3.73M · loan HK$33.54M · min. income ≈ HK$358,674/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,636 · Scale 2, in force from 26 Feb 2026)