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$84,788
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$87,425
−HK$2,680/mo
Today · 4.125%
HK$90,105
baseline
▲ 0.50% · 4.625%
HK$95,587
+HK$5,482/mo
Deposit HK$18.59M · loan HK$18.59M · min. income ≈ HK$180,210/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,580,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,325
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$96,855
−HK$2,566/mo
Today · 4.125%
HK$99,421
baseline
▲ 0.50% · 4.625%
HK$104,662
+HK$5,241/mo
Deposit HK$18.59M · loan HK$18.59M · min. income ≈ HK$198,842/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,580,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,745
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$104,910
−HK$3,215/mo
Today · 4.125%
HK$108,125
baseline
▲ 0.50% · 4.625%
HK$114,705
+HK$6,580/mo
Deposit HK$14.87M · loan HK$22.31M · min. income ≈ HK$216,250/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,580,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,190
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$116,226
−HK$3,080/mo
Today · 4.125%
HK$119,306
baseline
▲ 0.50% · 4.625%
HK$125,595
+HK$6,289/mo
Deposit HK$14.87M · loan HK$22.31M · min. income ≈ HK$238,612/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,580,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,703
−HK$7,443/mo
▼ 0.25% · 3.875%
HK$122,395
−HK$3,751/mo
Today · 4.125%
HK$126,146
baseline
▲ 0.50% · 4.625%
HK$133,822
+HK$7,676/mo
Deposit HK$11.16M · loan HK$26.03M · min. income ≈ HK$252,292/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,580,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,055
−HK$7,135/mo
▼ 0.25% · 3.875%
HK$135,597
−HK$3,593/mo
Today · 4.125%
HK$139,190
baseline
▲ 0.50% · 4.625%
HK$146,527
+HK$7,337/mo
Deposit HK$11.16M · loan HK$26.03M · min. income ≈ HK$278,380/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,580,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,618
−HK$9,570/mo
▼ 0.25% · 3.875%
HK$157,365
−HK$4,823/mo
Today · 4.125%
HK$162,188
baseline
▲ 0.50% · 4.625%
HK$172,057
+HK$9,869/mo
Deposit HK$3.72M · loan HK$33.47M · min. income ≈ HK$324,376/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,580,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,786
−HK$9,173/mo
▼ 0.25% · 3.875%
HK$174,339
−HK$4,620/mo
Today · 4.125%
HK$178,959
baseline
▲ 0.50% · 4.625%
HK$188,392
+HK$9,433/mo
Deposit HK$3.72M · loan HK$33.47M · min. income ≈ HK$357,918/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,580,293 · Scale 2, in force from 26 Feb 2026)