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$84,770
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$87,407
−HK$2,679/mo
Today · 4.125%
HK$90,086
baseline
▲ 0.50% · 4.625%
HK$95,568
+HK$5,482/mo
Deposit HK$18.59M · loan HK$18.59M · min. income ≈ HK$180,172/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,579,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,306
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$96,836
−HK$2,565/mo
Today · 4.125%
HK$99,401
baseline
▲ 0.50% · 4.625%
HK$104,641
+HK$5,240/mo
Deposit HK$18.59M · loan HK$18.59M · min. income ≈ HK$198,802/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,579,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,725
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$104,889
−HK$3,215/mo
Today · 4.125%
HK$108,104
baseline
▲ 0.50% · 4.625%
HK$114,681
+HK$6,577/mo
Deposit HK$14.87M · loan HK$22.31M · min. income ≈ HK$216,208/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,579,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,168
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$116,203
−HK$3,079/mo
Today · 4.125%
HK$119,282
baseline
▲ 0.50% · 4.625%
HK$125,569
+HK$6,287/mo
Deposit HK$14.87M · loan HK$22.31M · min. income ≈ HK$238,564/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,579,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,679
−HK$7,442/mo
▼ 0.25% · 3.875%
HK$122,370
−HK$3,751/mo
Today · 4.125%
HK$126,121
baseline
▲ 0.50% · 4.625%
HK$133,795
+HK$7,674/mo
Deposit HK$11.15M · loan HK$26.02M · min. income ≈ HK$252,242/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,579,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,029
−HK$7,133/mo
▼ 0.25% · 3.875%
HK$135,570
−HK$3,592/mo
Today · 4.125%
HK$139,162
baseline
▲ 0.50% · 4.625%
HK$146,497
+HK$7,335/mo
Deposit HK$11.15M · loan HK$26.02M · min. income ≈ HK$278,324/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,579,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,587
−HK$9,568/mo
▼ 0.25% · 3.875%
HK$157,333
−HK$4,822/mo
Today · 4.125%
HK$162,155
baseline
▲ 0.50% · 4.625%
HK$172,022
+HK$9,867/mo
Deposit HK$3.72M · loan HK$33.46M · min. income ≈ HK$324,310/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,579,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,751
−HK$9,171/mo
▼ 0.25% · 3.875%
HK$174,304
−HK$4,618/mo
Today · 4.125%
HK$178,922
baseline
▲ 0.50% · 4.625%
HK$188,354
+HK$9,432/mo
Deposit HK$3.72M · loan HK$33.46M · min. income ≈ HK$357,844/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,579,973 · Scale 2, in force from 26 Feb 2026)