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$85,276
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,929
−HK$2,695/mo
Today · 4.125%
HK$90,624
baseline
▲ 0.50% · 4.625%
HK$96,138
+HK$5,514/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$181,248/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,869
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$97,413
−HK$2,582/mo
Today · 4.125%
HK$99,995
baseline
▲ 0.50% · 4.625%
HK$105,265
+HK$5,270/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$199,990/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,332
−HK$6,417/mo
▼ 0.25% · 3.875%
HK$105,515
−HK$3,234/mo
Today · 4.125%
HK$108,749
baseline
▲ 0.50% · 4.625%
HK$115,366
+HK$6,617/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$217,498/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,843
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$116,896
−HK$3,097/mo
Today · 4.125%
HK$119,993
baseline
▲ 0.50% · 4.625%
HK$126,318
+HK$6,325/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$239,986/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,387
−HK$7,486/mo
▼ 0.25% · 3.875%
HK$123,100
−HK$3,773/mo
Today · 4.125%
HK$126,873
baseline
▲ 0.50% · 4.625%
HK$134,593
+HK$7,720/mo
Deposit HK$11.22M · loan HK$26.18M · min. income ≈ HK$253,746/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,817
−HK$7,175/mo
▼ 0.25% · 3.875%
HK$136,379
−HK$3,613/mo
Today · 4.125%
HK$139,992
baseline
▲ 0.50% · 4.625%
HK$147,372
+HK$7,380/mo
Deposit HK$11.22M · loan HK$26.18M · min. income ≈ HK$279,984/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,497
−HK$9,626/mo
▼ 0.25% · 3.875%
HK$158,272
−HK$4,851/mo
Today · 4.125%
HK$163,123
baseline
▲ 0.50% · 4.625%
HK$173,049
+HK$9,926/mo
Deposit HK$3.74M · loan HK$33.66M · min. income ≈ HK$326,246/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,764
−HK$9,226/mo
▼ 0.25% · 3.875%
HK$175,344
−HK$4,646/mo
Today · 4.125%
HK$179,990
baseline
▲ 0.50% · 4.625%
HK$189,478
+HK$9,488/mo
Deposit HK$3.74M · loan HK$33.66M · min. income ≈ HK$359,980/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,402 · Scale 2, in force from 26 Feb 2026)