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$84,871
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$87,511
−HK$2,682/mo
Today · 4.125%
HK$90,193
baseline
▲ 0.50% · 4.625%
HK$95,681
+HK$5,488/mo
Deposit HK$18.61M · loan HK$18.61M · min. income ≈ HK$180,386/mo (50% DSR)
Upfront cash ≈ HK$20.19M (deposit + AVD stamp duty HK$1,581,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,418
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$96,950
−HK$2,569/mo
Today · 4.125%
HK$99,519
baseline
▲ 0.50% · 4.625%
HK$104,765
+HK$5,246/mo
Deposit HK$18.61M · loan HK$18.61M · min. income ≈ HK$199,038/mo (50% DSR)
Upfront cash ≈ HK$20.19M (deposit + AVD stamp duty HK$1,581,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,845
−HK$6,386/mo
▼ 0.25% · 3.875%
HK$105,013
−HK$3,218/mo
Today · 4.125%
HK$108,231
baseline
▲ 0.50% · 4.625%
HK$114,817
+HK$6,586/mo
Deposit HK$14.89M · loan HK$22.33M · min. income ≈ HK$216,462/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,581,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,301
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$116,340
−HK$3,083/mo
Today · 4.125%
HK$119,423
baseline
▲ 0.50% · 4.625%
HK$125,718
+HK$6,295/mo
Deposit HK$14.89M · loan HK$22.33M · min. income ≈ HK$238,846/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,581,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,819
−HK$7,451/mo
▼ 0.25% · 3.875%
HK$122,515
−HK$3,755/mo
Today · 4.125%
HK$126,270
baseline
▲ 0.50% · 4.625%
HK$133,953
+HK$7,683/mo
Deposit HK$11.17M · loan HK$26.05M · min. income ≈ HK$252,540/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,581,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,185
−HK$7,141/mo
▼ 0.25% · 3.875%
HK$135,730
−HK$3,596/mo
Today · 4.125%
HK$139,326
baseline
▲ 0.50% · 4.625%
HK$146,671
+HK$7,345/mo
Deposit HK$11.17M · loan HK$26.05M · min. income ≈ HK$278,652/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,581,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,767
−HK$9,580/mo
▼ 0.25% · 3.875%
HK$157,519
−HK$4,828/mo
Today · 4.125%
HK$162,347
baseline
▲ 0.50% · 4.625%
HK$172,226
+HK$9,879/mo
Deposit HK$3.72M · loan HK$33.50M · min. income ≈ HK$324,694/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,581,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,952
−HK$9,182/mo
▼ 0.25% · 3.875%
HK$174,510
−HK$4,624/mo
Today · 4.125%
HK$179,134
baseline
▲ 0.50% · 4.625%
HK$188,576
+HK$9,442/mo
Deposit HK$3.72M · loan HK$33.50M · min. income ≈ HK$358,268/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,581,842 · Scale 2, in force from 26 Feb 2026)