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$85,334
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$87,988
−HK$2,697/mo
Today · 4.125%
HK$90,685
baseline
▲ 0.50% · 4.625%
HK$96,203
+HK$5,518/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$181,370/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,933
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$97,479
−HK$2,583/mo
Today · 4.125%
HK$100,062
baseline
▲ 0.50% · 4.625%
HK$105,337
+HK$5,275/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$200,124/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,401
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$105,586
−HK$3,236/mo
Today · 4.125%
HK$108,822
baseline
▲ 0.50% · 4.625%
HK$115,444
+HK$6,622/mo
Deposit HK$14.97M · loan HK$22.45M · min. income ≈ HK$217,644/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,920
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$116,975
−HK$3,100/mo
Today · 4.125%
HK$120,075
baseline
▲ 0.50% · 4.625%
HK$126,404
+HK$6,329/mo
Deposit HK$14.97M · loan HK$22.45M · min. income ≈ HK$240,150/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,468
−HK$7,491/mo
▼ 0.25% · 3.875%
HK$123,184
−HK$3,775/mo
Today · 4.125%
HK$126,959
baseline
▲ 0.50% · 4.625%
HK$134,684
+HK$7,725/mo
Deposit HK$11.23M · loan HK$26.20M · min. income ≈ HK$253,918/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,906
−HK$7,181/mo
▼ 0.25% · 3.875%
HK$136,471
−HK$3,616/mo
Today · 4.125%
HK$140,087
baseline
▲ 0.50% · 4.625%
HK$147,471
+HK$7,384/mo
Deposit HK$11.23M · loan HK$26.20M · min. income ≈ HK$280,174/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,601
−HK$9,632/mo
▼ 0.25% · 3.875%
HK$158,379
−HK$4,854/mo
Today · 4.125%
HK$163,233
baseline
▲ 0.50% · 4.625%
HK$173,166
+HK$9,933/mo
Deposit HK$3.74M · loan HK$33.68M · min. income ≈ HK$326,466/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,880
−HK$9,232/mo
▼ 0.25% · 3.875%
HK$175,463
−HK$4,649/mo
Today · 4.125%
HK$180,112
baseline
▲ 0.50% · 4.625%
HK$189,606
+HK$9,494/mo
Deposit HK$3.74M · loan HK$33.68M · min. income ≈ HK$360,224/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,477 · Scale 2, in force from 26 Feb 2026)