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$85,061
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$87,707
−HK$2,688/mo
Today · 4.125%
HK$90,395
baseline
▲ 0.50% · 4.625%
HK$95,895
+HK$5,500/mo
Deposit HK$18.65M · loan HK$18.65M · min. income ≈ HK$180,790/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,585,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,629
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$97,167
−HK$2,575/mo
Today · 4.125%
HK$99,742
baseline
▲ 0.50% · 4.625%
HK$104,999
+HK$5,257/mo
Deposit HK$18.65M · loan HK$18.65M · min. income ≈ HK$199,484/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,585,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,073
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$105,248
−HK$3,226/mo
Today · 4.125%
HK$108,474
baseline
▲ 0.50% · 4.625%
HK$115,074
+HK$6,600/mo
Deposit HK$14.92M · loan HK$22.38M · min. income ≈ HK$216,948/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,585,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,555
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$116,601
−HK$3,089/mo
Today · 4.125%
HK$119,690
baseline
▲ 0.50% · 4.625%
HK$125,999
+HK$6,309/mo
Deposit HK$14.92M · loan HK$22.38M · min. income ≈ HK$239,380/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,585,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,085
−HK$7,468/mo
▼ 0.25% · 3.875%
HK$122,789
−HK$3,764/mo
Today · 4.125%
HK$126,553
baseline
▲ 0.50% · 4.625%
HK$134,253
+HK$7,700/mo
Deposit HK$11.19M · loan HK$26.11M · min. income ≈ HK$253,106/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,585,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,481
−HK$7,158/mo
▼ 0.25% · 3.875%
HK$136,034
−HK$3,605/mo
Today · 4.125%
HK$139,639
baseline
▲ 0.50% · 4.625%
HK$146,999
+HK$7,360/mo
Deposit HK$11.19M · loan HK$26.11M · min. income ≈ HK$279,278/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,585,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,110
−HK$9,601/mo
▼ 0.25% · 3.875%
HK$157,872
−HK$4,839/mo
Today · 4.125%
HK$162,711
baseline
▲ 0.50% · 4.625%
HK$172,611
+HK$9,900/mo
Deposit HK$3.73M · loan HK$33.57M · min. income ≈ HK$325,422/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,585,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,333
−HK$9,202/mo
▼ 0.25% · 3.875%
HK$174,901
−HK$4,634/mo
Today · 4.125%
HK$179,535
baseline
▲ 0.50% · 4.625%
HK$188,999
+HK$9,464/mo
Deposit HK$3.73M · loan HK$33.57M · min. income ≈ HK$359,070/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,585,386 · Scale 2, in force from 26 Feb 2026)