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$85,407
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$88,063
−HK$2,699/mo
Today · 4.125%
HK$90,762
baseline
▲ 0.50% · 4.625%
HK$96,285
+HK$5,523/mo
Deposit HK$18.73M · loan HK$18.73M · min. income ≈ HK$181,524/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,591,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,014
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$97,562
−HK$2,585/mo
Today · 4.125%
HK$100,147
baseline
▲ 0.50% · 4.625%
HK$105,426
+HK$5,279/mo
Deposit HK$18.73M · loan HK$18.73M · min. income ≈ HK$200,294/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,591,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,488
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$105,676
−HK$3,239/mo
Today · 4.125%
HK$108,915
baseline
▲ 0.50% · 4.625%
HK$115,542
+HK$6,627/mo
Deposit HK$14.98M · loan HK$22.47M · min. income ≈ HK$217,830/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,591,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,017
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$117,075
−HK$3,102/mo
Today · 4.125%
HK$120,177
baseline
▲ 0.50% · 4.625%
HK$126,511
+HK$6,334/mo
Deposit HK$14.98M · loan HK$22.47M · min. income ≈ HK$240,354/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,591,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,569
−HK$7,498/mo
▼ 0.25% · 3.875%
HK$123,289
−HK$3,778/mo
Today · 4.125%
HK$127,067
baseline
▲ 0.50% · 4.625%
HK$134,799
+HK$7,732/mo
Deposit HK$11.24M · loan HK$26.22M · min. income ≈ HK$254,134/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,591,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,020
−HK$7,186/mo
▼ 0.25% · 3.875%
HK$136,587
−HK$3,619/mo
Today · 4.125%
HK$140,206
baseline
▲ 0.50% · 4.625%
HK$147,597
+HK$7,391/mo
Deposit HK$11.24M · loan HK$26.22M · min. income ≈ HK$280,412/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,591,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,732
−HK$9,640/mo
▼ 0.25% · 3.875%
HK$158,514
−HK$4,858/mo
Today · 4.125%
HK$163,372
baseline
▲ 0.50% · 4.625%
HK$173,313
+HK$9,941/mo
Deposit HK$3.75M · loan HK$33.71M · min. income ≈ HK$326,744/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,591,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,025
−HK$9,240/mo
▼ 0.25% · 3.875%
HK$175,612
−HK$4,653/mo
Today · 4.125%
HK$180,265
baseline
▲ 0.50% · 4.625%
HK$189,767
+HK$9,502/mo
Deposit HK$3.75M · loan HK$33.71M · min. income ≈ HK$360,530/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,591,830 · Scale 2, in force from 26 Feb 2026)