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$84,981
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$87,625
−HK$2,685/mo
Today · 4.125%
HK$90,310
baseline
▲ 0.50% · 4.625%
HK$95,805
+HK$5,495/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$180,620/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,583,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,541
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$97,076
−HK$2,572/mo
Today · 4.125%
HK$99,648
baseline
▲ 0.50% · 4.625%
HK$104,901
+HK$5,253/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$199,296/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,583,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,977
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$105,149
−HK$3,223/mo
Today · 4.125%
HK$108,372
baseline
▲ 0.50% · 4.625%
HK$114,966
+HK$6,594/mo
Deposit HK$14.91M · loan HK$22.36M · min. income ≈ HK$216,744/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,449
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$116,491
−HK$3,087/mo
Today · 4.125%
HK$119,578
baseline
▲ 0.50% · 4.625%
HK$125,881
+HK$6,303/mo
Deposit HK$14.91M · loan HK$22.36M · min. income ≈ HK$239,156/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,974
−HK$7,460/mo
▼ 0.25% · 3.875%
HK$122,674
−HK$3,760/mo
Today · 4.125%
HK$126,434
baseline
▲ 0.50% · 4.625%
HK$134,127
+HK$7,693/mo
Deposit HK$11.18M · loan HK$26.09M · min. income ≈ HK$252,868/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,357
−HK$7,151/mo
▼ 0.25% · 3.875%
HK$135,907
−HK$3,601/mo
Today · 4.125%
HK$139,508
baseline
▲ 0.50% · 4.625%
HK$146,861
+HK$7,353/mo
Deposit HK$11.18M · loan HK$26.09M · min. income ≈ HK$279,016/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,966
−HK$9,592/mo
▼ 0.25% · 3.875%
HK$157,724
−HK$4,834/mo
Today · 4.125%
HK$162,558
baseline
▲ 0.50% · 4.625%
HK$172,450
+HK$9,892/mo
Deposit HK$3.73M · loan HK$33.54M · min. income ≈ HK$325,116/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,173
−HK$9,194/mo
▼ 0.25% · 3.875%
HK$174,737
−HK$4,630/mo
Today · 4.125%
HK$179,367
baseline
▲ 0.50% · 4.625%
HK$188,822
+HK$9,455/mo
Deposit HK$3.73M · loan HK$33.54M · min. income ≈ HK$358,734/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,900 · Scale 2, in force from 26 Feb 2026)