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$85,272
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,925
−HK$2,695/mo
Today · 4.125%
HK$90,620
baseline
▲ 0.50% · 4.625%
HK$96,134
+HK$5,514/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$181,240/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,865
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$97,409
−HK$2,581/mo
Today · 4.125%
HK$99,990
baseline
▲ 0.50% · 4.625%
HK$105,260
+HK$5,270/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$199,980/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,327
−HK$6,417/mo
▼ 0.25% · 3.875%
HK$105,510
−HK$3,234/mo
Today · 4.125%
HK$108,744
baseline
▲ 0.50% · 4.625%
HK$115,360
+HK$6,616/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$217,488/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,838
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$116,891
−HK$3,097/mo
Today · 4.125%
HK$119,988
baseline
▲ 0.50% · 4.625%
HK$126,313
+HK$6,325/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$239,976/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,381
−HK$7,487/mo
▼ 0.25% · 3.875%
HK$123,095
−HK$3,773/mo
Today · 4.125%
HK$126,868
baseline
▲ 0.50% · 4.625%
HK$134,587
+HK$7,719/mo
Deposit HK$11.22M · loan HK$26.18M · min. income ≈ HK$253,736/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,811
−HK$7,175/mo
▼ 0.25% · 3.875%
HK$136,372
−HK$3,614/mo
Today · 4.125%
HK$139,986
baseline
▲ 0.50% · 4.625%
HK$147,365
+HK$7,379/mo
Deposit HK$11.22M · loan HK$26.18M · min. income ≈ HK$279,972/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,490
−HK$9,625/mo
▼ 0.25% · 3.875%
HK$158,265
−HK$4,850/mo
Today · 4.125%
HK$163,115
baseline
▲ 0.50% · 4.625%
HK$173,041
+HK$9,926/mo
Deposit HK$3.74M · loan HK$33.66M · min. income ≈ HK$326,230/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,756
−HK$9,226/mo
▼ 0.25% · 3.875%
HK$175,336
−HK$4,646/mo
Today · 4.125%
HK$179,982
baseline
▲ 0.50% · 4.625%
HK$189,469
+HK$9,487/mo
Deposit HK$3.74M · loan HK$33.66M · min. income ≈ HK$359,964/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,328 · Scale 2, in force from 26 Feb 2026)