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$84,974
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,617
−HK$2,685/mo
Today · 4.125%
HK$90,302
baseline
▲ 0.50% · 4.625%
HK$95,797
+HK$5,495/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$180,604/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,583,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,532
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$97,067
−HK$2,572/mo
Today · 4.125%
HK$99,639
baseline
▲ 0.50% · 4.625%
HK$104,892
+HK$5,253/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$199,278/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,583,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,968
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$105,140
−HK$3,223/mo
Today · 4.125%
HK$108,363
baseline
▲ 0.50% · 4.625%
HK$114,956
+HK$6,593/mo
Deposit HK$14.91M · loan HK$22.36M · min. income ≈ HK$216,726/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,439
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$116,481
−HK$3,086/mo
Today · 4.125%
HK$119,567
baseline
▲ 0.50% · 4.625%
HK$125,870
+HK$6,303/mo
Deposit HK$14.91M · loan HK$22.36M · min. income ≈ HK$239,134/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,963
−HK$7,460/mo
▼ 0.25% · 3.875%
HK$122,663
−HK$3,760/mo
Today · 4.125%
HK$126,423
baseline
▲ 0.50% · 4.625%
HK$134,115
+HK$7,692/mo
Deposit HK$11.18M · loan HK$26.09M · min. income ≈ HK$252,846/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,345
−HK$7,150/mo
▼ 0.25% · 3.875%
HK$135,894
−HK$3,601/mo
Today · 4.125%
HK$139,495
baseline
▲ 0.50% · 4.625%
HK$146,848
+HK$7,353/mo
Deposit HK$11.18M · loan HK$26.09M · min. income ≈ HK$278,990/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,952
−HK$9,592/mo
▼ 0.25% · 3.875%
HK$157,710
−HK$4,834/mo
Today · 4.125%
HK$162,544
baseline
▲ 0.50% · 4.625%
HK$172,434
+HK$9,890/mo
Deposit HK$3.73M · loan HK$33.54M · min. income ≈ HK$325,088/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,158
−HK$9,193/mo
▼ 0.25% · 3.875%
HK$174,721
−HK$4,630/mo
Today · 4.125%
HK$179,351
baseline
▲ 0.50% · 4.625%
HK$188,805
+HK$9,454/mo
Deposit HK$3.73M · loan HK$33.54M · min. income ≈ HK$358,702/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,758 · Scale 2, in force from 26 Feb 2026)