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$85,204
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$87,855
−HK$2,693/mo
Today · 4.125%
HK$90,548
baseline
▲ 0.50% · 4.625%
HK$96,057
+HK$5,509/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$181,096/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,588,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,789
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$97,331
−HK$2,579/mo
Today · 4.125%
HK$99,910
baseline
▲ 0.50% · 4.625%
HK$105,177
+HK$5,267/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$199,820/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,588,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,245
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$105,426
−HK$3,231/mo
Today · 4.125%
HK$108,657
baseline
▲ 0.50% · 4.625%
HK$115,269
+HK$6,612/mo
Deposit HK$14.95M · loan HK$22.42M · min. income ≈ HK$217,314/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,588,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,747
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$116,798
−HK$3,094/mo
Today · 4.125%
HK$119,892
baseline
▲ 0.50% · 4.625%
HK$126,212
+HK$6,320/mo
Deposit HK$14.95M · loan HK$22.42M · min. income ≈ HK$239,784/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,588,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,286
−HK$7,481/mo
▼ 0.25% · 3.875%
HK$122,997
−HK$3,770/mo
Today · 4.125%
HK$126,767
baseline
▲ 0.50% · 4.625%
HK$134,480
+HK$7,713/mo
Deposit HK$11.21M · loan HK$26.16M · min. income ≈ HK$253,534/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,588,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,705
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$136,264
−HK$3,610/mo
Today · 4.125%
HK$139,874
baseline
▲ 0.50% · 4.625%
HK$147,247
+HK$7,373/mo
Deposit HK$11.21M · loan HK$26.16M · min. income ≈ HK$279,748/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,588,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,368
−HK$9,618/mo
▼ 0.25% · 3.875%
HK$158,139
−HK$4,847/mo
Today · 4.125%
HK$162,986
baseline
▲ 0.50% · 4.625%
HK$172,903
+HK$9,917/mo
Deposit HK$3.74M · loan HK$33.63M · min. income ≈ HK$325,972/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,588,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,620
−HK$9,219/mo
▼ 0.25% · 3.875%
HK$175,196
−HK$4,643/mo
Today · 4.125%
HK$179,839
baseline
▲ 0.50% · 4.625%
HK$189,318
+HK$9,479/mo
Deposit HK$3.74M · loan HK$33.63M · min. income ≈ HK$359,678/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,588,063 · Scale 2, in force from 26 Feb 2026)