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$84,798
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$87,436
−HK$2,680/mo
Today · 4.125%
HK$90,116
baseline
▲ 0.50% · 4.625%
HK$95,599
+HK$5,483/mo
Deposit HK$18.59M · loan HK$18.59M · min. income ≈ HK$180,232/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,580,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,337
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$96,867
−HK$2,567/mo
Today · 4.125%
HK$99,434
baseline
▲ 0.50% · 4.625%
HK$104,675
+HK$5,241/mo
Deposit HK$18.59M · loan HK$18.59M · min. income ≈ HK$198,868/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,580,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,758
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$104,923
−HK$3,216/mo
Today · 4.125%
HK$108,139
baseline
▲ 0.50% · 4.625%
HK$114,719
+HK$6,580/mo
Deposit HK$14.88M · loan HK$22.31M · min. income ≈ HK$216,278/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,580,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,205
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$116,241
−HK$3,080/mo
Today · 4.125%
HK$119,321
baseline
▲ 0.50% · 4.625%
HK$125,611
+HK$6,290/mo
Deposit HK$14.88M · loan HK$22.31M · min. income ≈ HK$238,642/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,580,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,718
−HK$7,444/mo
▼ 0.25% · 3.875%
HK$122,411
−HK$3,751/mo
Today · 4.125%
HK$126,162
baseline
▲ 0.50% · 4.625%
HK$133,839
+HK$7,677/mo
Deposit HK$11.16M · loan HK$26.03M · min. income ≈ HK$252,324/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,580,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,072
−HK$7,136/mo
▼ 0.25% · 3.875%
HK$135,614
−HK$3,594/mo
Today · 4.125%
HK$139,208
baseline
▲ 0.50% · 4.625%
HK$146,546
+HK$7,338/mo
Deposit HK$11.16M · loan HK$26.03M · min. income ≈ HK$278,416/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,580,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,637
−HK$9,572/mo
▼ 0.25% · 3.875%
HK$157,385
−HK$4,824/mo
Today · 4.125%
HK$162,209
baseline
▲ 0.50% · 4.625%
HK$172,079
+HK$9,870/mo
Deposit HK$3.72M · loan HK$33.47M · min. income ≈ HK$324,418/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,580,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,807
−HK$9,174/mo
▼ 0.25% · 3.875%
HK$174,361
−HK$4,620/mo
Today · 4.125%
HK$178,981
baseline
▲ 0.50% · 4.625%
HK$188,416
+HK$9,435/mo
Deposit HK$3.72M · loan HK$33.47M · min. income ≈ HK$357,962/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,580,495 · Scale 2, in force from 26 Feb 2026)