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$84,979
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$87,623
−HK$2,685/mo
Today · 4.125%
HK$90,308
baseline
▲ 0.50% · 4.625%
HK$95,804
+HK$5,496/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$180,616/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,583,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,539
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$97,074
−HK$2,572/mo
Today · 4.125%
HK$99,646
baseline
▲ 0.50% · 4.625%
HK$104,899
+HK$5,253/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$199,292/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,583,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,975
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$105,147
−HK$3,223/mo
Today · 4.125%
HK$108,370
baseline
▲ 0.50% · 4.625%
HK$114,964
+HK$6,594/mo
Deposit HK$14.91M · loan HK$22.36M · min. income ≈ HK$216,740/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,447
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$116,489
−HK$3,087/mo
Today · 4.125%
HK$119,576
baseline
▲ 0.50% · 4.625%
HK$125,879
+HK$6,303/mo
Deposit HK$14.91M · loan HK$22.36M · min. income ≈ HK$239,152/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,971
−HK$7,461/mo
▼ 0.25% · 3.875%
HK$122,672
−HK$3,760/mo
Today · 4.125%
HK$126,432
baseline
▲ 0.50% · 4.625%
HK$134,125
+HK$7,693/mo
Deposit HK$11.18M · loan HK$26.09M · min. income ≈ HK$252,864/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,354
−HK$7,151/mo
▼ 0.25% · 3.875%
HK$135,904
−HK$3,601/mo
Today · 4.125%
HK$139,505
baseline
▲ 0.50% · 4.625%
HK$146,859
+HK$7,354/mo
Deposit HK$11.18M · loan HK$26.09M · min. income ≈ HK$279,010/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,963
−HK$9,592/mo
▼ 0.25% · 3.875%
HK$157,721
−HK$4,834/mo
Today · 4.125%
HK$162,555
baseline
▲ 0.50% · 4.625%
HK$172,446
+HK$9,891/mo
Deposit HK$3.73M · loan HK$33.54M · min. income ≈ HK$325,110/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,170
−HK$9,194/mo
▼ 0.25% · 3.875%
HK$174,734
−HK$4,630/mo
Today · 4.125%
HK$179,364
baseline
▲ 0.50% · 4.625%
HK$188,818
+HK$9,454/mo
Deposit HK$3.73M · loan HK$33.54M · min. income ≈ HK$358,728/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,870 · Scale 2, in force from 26 Feb 2026)