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$85,021
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$87,666
−HK$2,686/mo
Today · 4.125%
HK$90,352
baseline
▲ 0.50% · 4.625%
HK$95,850
+HK$5,498/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$180,704/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$1,584,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,585
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,122
−HK$2,573/mo
Today · 4.125%
HK$99,695
baseline
▲ 0.50% · 4.625%
HK$104,950
+HK$5,255/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$199,390/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$1,584,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,025
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$105,199
−HK$3,224/mo
Today · 4.125%
HK$108,423
baseline
▲ 0.50% · 4.625%
HK$115,020
+HK$6,597/mo
Deposit HK$14.91M · loan HK$22.37M · min. income ≈ HK$216,846/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,584,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,502
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$116,546
−HK$3,088/mo
Today · 4.125%
HK$119,634
baseline
▲ 0.50% · 4.625%
HK$125,940
+HK$6,306/mo
Deposit HK$14.91M · loan HK$22.37M · min. income ≈ HK$239,268/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,584,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,029
−HK$7,464/mo
▼ 0.25% · 3.875%
HK$122,732
−HK$3,761/mo
Today · 4.125%
HK$126,493
baseline
▲ 0.50% · 4.625%
HK$134,190
+HK$7,697/mo
Deposit HK$11.19M · loan HK$26.10M · min. income ≈ HK$252,986/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,419
−HK$7,154/mo
▼ 0.25% · 3.875%
HK$135,970
−HK$3,603/mo
Today · 4.125%
HK$139,573
baseline
▲ 0.50% · 4.625%
HK$146,930
+HK$7,357/mo
Deposit HK$11.19M · loan HK$26.10M · min. income ≈ HK$279,146/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,038
−HK$9,596/mo
▼ 0.25% · 3.875%
HK$157,798
−HK$4,836/mo
Today · 4.125%
HK$162,634
baseline
▲ 0.50% · 4.625%
HK$172,530
+HK$9,896/mo
Deposit HK$3.73M · loan HK$33.56M · min. income ≈ HK$325,268/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,253
−HK$9,198/mo
▼ 0.25% · 3.875%
HK$174,819
−HK$4,632/mo
Today · 4.125%
HK$179,451
baseline
▲ 0.50% · 4.625%
HK$188,910
+HK$9,459/mo
Deposit HK$3.73M · loan HK$33.56M · min. income ≈ HK$358,902/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,642 · Scale 2, in force from 26 Feb 2026)