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$85,016
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$87,660
−HK$2,687/mo
Today · 4.125%
HK$90,347
baseline
▲ 0.50% · 4.625%
HK$95,844
+HK$5,497/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$180,694/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$1,584,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,579
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,116
−HK$2,573/mo
Today · 4.125%
HK$99,689
baseline
▲ 0.50% · 4.625%
HK$104,944
+HK$5,255/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$199,378/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$1,584,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,019
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$105,192
−HK$3,224/mo
Today · 4.125%
HK$108,416
baseline
▲ 0.50% · 4.625%
HK$115,013
+HK$6,597/mo
Deposit HK$14.91M · loan HK$22.37M · min. income ≈ HK$216,832/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,584,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,495
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$116,539
−HK$3,088/mo
Today · 4.125%
HK$119,627
baseline
▲ 0.50% · 4.625%
HK$125,933
+HK$6,306/mo
Deposit HK$14.91M · loan HK$22.37M · min. income ≈ HK$239,254/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,584,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,022
−HK$7,464/mo
▼ 0.25% · 3.875%
HK$122,724
−HK$3,762/mo
Today · 4.125%
HK$126,486
baseline
▲ 0.50% · 4.625%
HK$134,182
+HK$7,696/mo
Deposit HK$11.19M · loan HK$26.10M · min. income ≈ HK$252,972/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,411
−HK$7,154/mo
▼ 0.25% · 3.875%
HK$135,962
−HK$3,603/mo
Today · 4.125%
HK$139,565
baseline
▲ 0.50% · 4.625%
HK$146,921
+HK$7,356/mo
Deposit HK$11.19M · loan HK$26.10M · min. income ≈ HK$279,130/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,028
−HK$9,597/mo
▼ 0.25% · 3.875%
HK$157,788
−HK$4,837/mo
Today · 4.125%
HK$162,625
baseline
▲ 0.50% · 4.625%
HK$172,520
+HK$9,895/mo
Deposit HK$3.73M · loan HK$33.56M · min. income ≈ HK$325,250/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,243
−HK$9,197/mo
▼ 0.25% · 3.875%
HK$174,808
−HK$4,632/mo
Today · 4.125%
HK$179,440
baseline
▲ 0.50% · 4.625%
HK$188,899
+HK$9,459/mo
Deposit HK$3.73M · loan HK$33.56M · min. income ≈ HK$358,880/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,546 · Scale 2, in force from 26 Feb 2026)