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$85,146
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$87,795
−HK$2,691/mo
Today · 4.125%
HK$90,486
baseline
▲ 0.50% · 4.625%
HK$95,992
+HK$5,506/mo
Deposit HK$18.67M · loan HK$18.67M · min. income ≈ HK$180,972/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,586,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,725
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$97,265
−HK$2,577/mo
Today · 4.125%
HK$99,842
baseline
▲ 0.50% · 4.625%
HK$105,105
+HK$5,263/mo
Deposit HK$18.67M · loan HK$18.67M · min. income ≈ HK$199,684/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,586,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,176
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$105,354
−HK$3,229/mo
Today · 4.125%
HK$108,583
baseline
▲ 0.50% · 4.625%
HK$115,190
+HK$6,607/mo
Deposit HK$14.94M · loan HK$22.40M · min. income ≈ HK$217,166/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,586,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,669
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$116,718
−HK$3,093/mo
Today · 4.125%
HK$119,811
baseline
▲ 0.50% · 4.625%
HK$126,126
+HK$6,315/mo
Deposit HK$14.94M · loan HK$22.40M · min. income ≈ HK$239,622/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,586,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,205
−HK$7,475/mo
▼ 0.25% · 3.875%
HK$122,913
−HK$3,767/mo
Today · 4.125%
HK$126,680
baseline
▲ 0.50% · 4.625%
HK$134,388
+HK$7,708/mo
Deposit HK$11.20M · loan HK$26.14M · min. income ≈ HK$253,360/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,586,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,614
−HK$7,165/mo
▼ 0.25% · 3.875%
HK$136,171
−HK$3,608/mo
Today · 4.125%
HK$139,779
baseline
▲ 0.50% · 4.625%
HK$147,147
+HK$7,368/mo
Deposit HK$11.20M · loan HK$26.14M · min. income ≈ HK$279,558/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,586,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,264
−HK$9,611/mo
▼ 0.25% · 3.875%
HK$158,031
−HK$4,844/mo
Today · 4.125%
HK$162,875
baseline
▲ 0.50% · 4.625%
HK$172,785
+HK$9,910/mo
Deposit HK$3.73M · loan HK$33.61M · min. income ≈ HK$325,750/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,504
−HK$9,212/mo
▼ 0.25% · 3.875%
HK$175,077
−HK$4,639/mo
Today · 4.125%
HK$179,716
baseline
▲ 0.50% · 4.625%
HK$189,189
+HK$9,473/mo
Deposit HK$3.73M · loan HK$33.61M · min. income ≈ HK$359,432/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,982 · Scale 2, in force from 26 Feb 2026)