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$85,055
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$87,701
−HK$2,688/mo
Today · 4.125%
HK$90,389
baseline
▲ 0.50% · 4.625%
HK$95,889
+HK$5,500/mo
Deposit HK$18.65M · loan HK$18.65M · min. income ≈ HK$180,778/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,585,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,623
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$97,161
−HK$2,574/mo
Today · 4.125%
HK$99,735
baseline
▲ 0.50% · 4.625%
HK$104,992
+HK$5,257/mo
Deposit HK$18.65M · loan HK$18.65M · min. income ≈ HK$199,470/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,585,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,066
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$105,241
−HK$3,226/mo
Today · 4.125%
HK$108,467
baseline
▲ 0.50% · 4.625%
HK$115,067
+HK$6,600/mo
Deposit HK$14.92M · loan HK$22.38M · min. income ≈ HK$216,934/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,585,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,548
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$116,593
−HK$3,089/mo
Today · 4.125%
HK$119,682
baseline
▲ 0.50% · 4.625%
HK$125,991
+HK$6,309/mo
Deposit HK$14.92M · loan HK$22.38M · min. income ≈ HK$239,364/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,585,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,077
−HK$7,467/mo
▼ 0.25% · 3.875%
HK$122,781
−HK$3,763/mo
Today · 4.125%
HK$126,544
baseline
▲ 0.50% · 4.625%
HK$134,244
+HK$7,700/mo
Deposit HK$11.19M · loan HK$26.11M · min. income ≈ HK$253,088/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,585,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,472
−HK$7,157/mo
▼ 0.25% · 3.875%
HK$136,025
−HK$3,604/mo
Today · 4.125%
HK$139,629
baseline
▲ 0.50% · 4.625%
HK$146,989
+HK$7,360/mo
Deposit HK$11.19M · loan HK$26.11M · min. income ≈ HK$279,258/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,585,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,099
−HK$9,601/mo
▼ 0.25% · 3.875%
HK$157,862
−HK$4,838/mo
Today · 4.125%
HK$162,700
baseline
▲ 0.50% · 4.625%
HK$172,600
+HK$9,900/mo
Deposit HK$3.73M · loan HK$33.57M · min. income ≈ HK$325,400/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,585,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,321
−HK$9,202/mo
▼ 0.25% · 3.875%
HK$174,889
−HK$4,634/mo
Today · 4.125%
HK$179,523
baseline
▲ 0.50% · 4.625%
HK$188,986
+HK$9,463/mo
Deposit HK$3.73M · loan HK$33.57M · min. income ≈ HK$359,046/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,585,280 · Scale 2, in force from 26 Feb 2026)