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$84,920
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,562
−HK$2,683/mo
Today · 4.125%
HK$90,245
baseline
▲ 0.50% · 4.625%
HK$95,737
+HK$5,492/mo
Deposit HK$18.62M · loan HK$18.62M · min. income ≈ HK$180,490/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,582,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,473
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$97,007
−HK$2,570/mo
Today · 4.125%
HK$99,577
baseline
▲ 0.50% · 4.625%
HK$104,826
+HK$5,249/mo
Deposit HK$18.62M · loan HK$18.62M · min. income ≈ HK$199,154/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,582,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,904
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$105,074
−HK$3,220/mo
Today · 4.125%
HK$108,294
baseline
▲ 0.50% · 4.625%
HK$114,884
+HK$6,590/mo
Deposit HK$14.90M · loan HK$22.34M · min. income ≈ HK$216,588/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,582,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,367
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$116,408
−HK$3,084/mo
Today · 4.125%
HK$119,492
baseline
▲ 0.50% · 4.625%
HK$125,791
+HK$6,299/mo
Deposit HK$14.90M · loan HK$22.34M · min. income ≈ HK$238,984/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,582,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,888
−HK$7,456/mo
▼ 0.25% · 3.875%
HK$122,586
−HK$3,758/mo
Today · 4.125%
HK$126,344
baseline
▲ 0.50% · 4.625%
HK$134,031
+HK$7,687/mo
Deposit HK$11.17M · loan HK$26.07M · min. income ≈ HK$252,688/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,582,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,262
−HK$7,146/mo
▼ 0.25% · 3.875%
HK$135,809
−HK$3,599/mo
Today · 4.125%
HK$139,408
baseline
▲ 0.50% · 4.625%
HK$146,756
+HK$7,348/mo
Deposit HK$11.17M · loan HK$26.07M · min. income ≈ HK$278,816/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,582,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,856
−HK$9,586/mo
▼ 0.25% · 3.875%
HK$157,611
−HK$4,831/mo
Today · 4.125%
HK$162,442
baseline
▲ 0.50% · 4.625%
HK$172,326
+HK$9,884/mo
Deposit HK$3.72M · loan HK$33.52M · min. income ≈ HK$324,884/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,582,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,051
−HK$9,187/mo
▼ 0.25% · 3.875%
HK$174,612
−HK$4,626/mo
Today · 4.125%
HK$179,238
baseline
▲ 0.50% · 4.625%
HK$188,686
+HK$9,448/mo
Deposit HK$3.72M · loan HK$33.52M · min. income ≈ HK$358,476/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,582,763 · Scale 2, in force from 26 Feb 2026)