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$84,959
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,602
−HK$2,685/mo
Today · 4.125%
HK$90,287
baseline
▲ 0.50% · 4.625%
HK$95,781
+HK$5,494/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$180,574/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,583,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,516
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$97,051
−HK$2,572/mo
Today · 4.125%
HK$99,623
baseline
▲ 0.50% · 4.625%
HK$104,874
+HK$5,251/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$199,246/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,583,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,951
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$105,122
−HK$3,222/mo
Today · 4.125%
HK$108,344
baseline
▲ 0.50% · 4.625%
HK$114,937
+HK$6,593/mo
Deposit HK$14.90M · loan HK$22.36M · min. income ≈ HK$216,688/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,419
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$116,461
−HK$3,086/mo
Today · 4.125%
HK$119,547
baseline
▲ 0.50% · 4.625%
HK$125,849
+HK$6,302/mo
Deposit HK$14.90M · loan HK$22.36M · min. income ≈ HK$239,094/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,943
−HK$7,459/mo
▼ 0.25% · 3.875%
HK$122,643
−HK$3,759/mo
Today · 4.125%
HK$126,402
baseline
▲ 0.50% · 4.625%
HK$134,093
+HK$7,691/mo
Deposit HK$11.18M · loan HK$26.08M · min. income ≈ HK$252,804/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,323
−HK$7,149/mo
▼ 0.25% · 3.875%
HK$135,872
−HK$3,600/mo
Today · 4.125%
HK$139,472
baseline
▲ 0.50% · 4.625%
HK$146,823
+HK$7,351/mo
Deposit HK$11.18M · loan HK$26.08M · min. income ≈ HK$278,944/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,927
−HK$9,589/mo
▼ 0.25% · 3.875%
HK$157,683
−HK$4,833/mo
Today · 4.125%
HK$162,516
baseline
▲ 0.50% · 4.625%
HK$172,405
+HK$9,889/mo
Deposit HK$3.73M · loan HK$33.53M · min. income ≈ HK$325,032/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,129
−HK$9,192/mo
▼ 0.25% · 3.875%
HK$174,692
−HK$4,629/mo
Today · 4.125%
HK$179,321
baseline
▲ 0.50% · 4.625%
HK$188,773
+HK$9,452/mo
Deposit HK$3.73M · loan HK$33.53M · min. income ≈ HK$358,642/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,491 · Scale 2, in force from 26 Feb 2026)