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$85,215
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$87,866
−HK$2,693/mo
Today · 4.125%
HK$90,559
baseline
▲ 0.50% · 4.625%
HK$96,069
+HK$5,510/mo
Deposit HK$18.69M · loan HK$18.69M · min. income ≈ HK$181,118/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,588,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,801
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$97,344
−HK$2,579/mo
Today · 4.125%
HK$99,923
baseline
▲ 0.50% · 4.625%
HK$105,190
+HK$5,267/mo
Deposit HK$18.69M · loan HK$18.69M · min. income ≈ HK$199,846/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,588,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,258
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$105,439
−HK$3,232/mo
Today · 4.125%
HK$108,671
baseline
▲ 0.50% · 4.625%
HK$115,283
+HK$6,612/mo
Deposit HK$14.95M · loan HK$22.42M · min. income ≈ HK$217,342/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,588,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,762
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$116,813
−HK$3,095/mo
Today · 4.125%
HK$119,908
baseline
▲ 0.50% · 4.625%
HK$126,228
+HK$6,320/mo
Deposit HK$14.95M · loan HK$22.42M · min. income ≈ HK$239,816/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,588,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,302
−HK$7,481/mo
▼ 0.25% · 3.875%
HK$123,012
−HK$3,771/mo
Today · 4.125%
HK$126,783
baseline
▲ 0.50% · 4.625%
HK$134,497
+HK$7,714/mo
Deposit HK$11.21M · loan HK$26.16M · min. income ≈ HK$253,566/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,588,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,722
−HK$7,170/mo
▼ 0.25% · 3.875%
HK$136,281
−HK$3,611/mo
Today · 4.125%
HK$139,892
baseline
▲ 0.50% · 4.625%
HK$147,266
+HK$7,374/mo
Deposit HK$11.21M · loan HK$26.16M · min. income ≈ HK$279,784/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,588,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,388
−HK$9,618/mo
▼ 0.25% · 3.875%
HK$158,159
−HK$4,847/mo
Today · 4.125%
HK$163,006
baseline
▲ 0.50% · 4.625%
HK$172,925
+HK$9,919/mo
Deposit HK$3.74M · loan HK$33.63M · min. income ≈ HK$326,012/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,588,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,642
−HK$9,220/mo
▼ 0.25% · 3.875%
HK$175,219
−HK$4,643/mo
Today · 4.125%
HK$179,862
baseline
▲ 0.50% · 4.625%
HK$189,342
+HK$9,480/mo
Deposit HK$3.74M · loan HK$33.63M · min. income ≈ HK$359,724/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,588,266 · Scale 2, in force from 26 Feb 2026)