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$85,356
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$88,011
−HK$2,698/mo
Today · 4.125%
HK$90,709
baseline
▲ 0.50% · 4.625%
HK$96,228
+HK$5,519/mo
Deposit HK$18.72M · loan HK$18.72M · min. income ≈ HK$181,418/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,590,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,958
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$97,505
−HK$2,583/mo
Today · 4.125%
HK$100,088
baseline
▲ 0.50% · 4.625%
HK$105,364
+HK$5,276/mo
Deposit HK$18.72M · loan HK$18.72M · min. income ≈ HK$200,176/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,590,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,427
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$105,613
−HK$3,237/mo
Today · 4.125%
HK$108,850
baseline
▲ 0.50% · 4.625%
HK$115,474
+HK$6,624/mo
Deposit HK$14.97M · loan HK$22.46M · min. income ≈ HK$217,700/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,949
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$117,006
−HK$3,100/mo
Today · 4.125%
HK$120,106
baseline
▲ 0.50% · 4.625%
HK$126,437
+HK$6,331/mo
Deposit HK$14.97M · loan HK$22.46M · min. income ≈ HK$240,212/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,499
−HK$7,493/mo
▼ 0.25% · 3.875%
HK$123,216
−HK$3,776/mo
Today · 4.125%
HK$126,992
baseline
▲ 0.50% · 4.625%
HK$134,719
+HK$7,727/mo
Deposit HK$11.23M · loan HK$26.20M · min. income ≈ HK$253,984/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,941
−HK$7,182/mo
▼ 0.25% · 3.875%
HK$136,506
−HK$3,617/mo
Today · 4.125%
HK$140,123
baseline
▲ 0.50% · 4.625%
HK$147,510
+HK$7,387/mo
Deposit HK$11.23M · loan HK$26.20M · min. income ≈ HK$280,246/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,641
−HK$9,635/mo
▼ 0.25% · 3.875%
HK$158,420
−HK$4,856/mo
Today · 4.125%
HK$163,276
baseline
▲ 0.50% · 4.625%
HK$173,211
+HK$9,935/mo
Deposit HK$3.74M · loan HK$33.69M · min. income ≈ HK$326,552/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,924
−HK$9,235/mo
▼ 0.25% · 3.875%
HK$175,508
−HK$4,651/mo
Today · 4.125%
HK$180,159
baseline
▲ 0.50% · 4.625%
HK$189,655
+HK$9,496/mo
Deposit HK$3.74M · loan HK$33.69M · min. income ≈ HK$360,318/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,890 · Scale 2, in force from 26 Feb 2026)