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$84,898
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$87,539
−HK$2,683/mo
Today · 4.125%
HK$90,222
baseline
▲ 0.50% · 4.625%
HK$95,712
+HK$5,490/mo
Deposit HK$18.62M · loan HK$18.62M · min. income ≈ HK$180,444/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,582,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,449
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$96,982
−HK$2,569/mo
Today · 4.125%
HK$99,551
baseline
▲ 0.50% · 4.625%
HK$104,799
+HK$5,248/mo
Deposit HK$18.62M · loan HK$18.62M · min. income ≈ HK$199,102/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,582,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,878
−HK$6,389/mo
▼ 0.25% · 3.875%
HK$105,047
−HK$3,220/mo
Today · 4.125%
HK$108,267
baseline
▲ 0.50% · 4.625%
HK$114,854
+HK$6,587/mo
Deposit HK$14.89M · loan HK$22.34M · min. income ≈ HK$216,534/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,582,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,338
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$116,378
−HK$3,084/mo
Today · 4.125%
HK$119,462
baseline
▲ 0.50% · 4.625%
HK$125,759
+HK$6,297/mo
Deposit HK$14.89M · loan HK$22.34M · min. income ≈ HK$238,924/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,582,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,858
−HK$7,453/mo
▼ 0.25% · 3.875%
HK$122,555
−HK$3,756/mo
Today · 4.125%
HK$126,311
baseline
▲ 0.50% · 4.625%
HK$133,997
+HK$7,686/mo
Deposit HK$11.17M · loan HK$26.06M · min. income ≈ HK$252,622/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,582,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,228
−HK$7,144/mo
▼ 0.25% · 3.875%
HK$135,774
−HK$3,598/mo
Today · 4.125%
HK$139,372
baseline
▲ 0.50% · 4.625%
HK$146,718
+HK$7,346/mo
Deposit HK$11.17M · loan HK$26.06M · min. income ≈ HK$278,744/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,582,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,817
−HK$9,583/mo
▼ 0.25% · 3.875%
HK$157,571
−HK$4,829/mo
Today · 4.125%
HK$162,400
baseline
▲ 0.50% · 4.625%
HK$172,282
+HK$9,882/mo
Deposit HK$3.72M · loan HK$33.51M · min. income ≈ HK$324,800/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,582,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,007
−HK$9,185/mo
▼ 0.25% · 3.875%
HK$174,567
−HK$4,625/mo
Today · 4.125%
HK$179,192
baseline
▲ 0.50% · 4.625%
HK$188,638
+HK$9,446/mo
Deposit HK$3.72M · loan HK$33.51M · min. income ≈ HK$358,384/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,582,358 · Scale 2, in force from 26 Feb 2026)