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$85,233
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$87,884
−HK$2,694/mo
Today · 4.125%
HK$90,578
baseline
▲ 0.50% · 4.625%
HK$96,089
+HK$5,511/mo
Deposit HK$18.69M · loan HK$18.69M · min. income ≈ HK$181,156/mo (50% DSR)
Upfront cash ≈ HK$20.28M (deposit + AVD stamp duty HK$1,588,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,821
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$97,364
−HK$2,580/mo
Today · 4.125%
HK$99,944
baseline
▲ 0.50% · 4.625%
HK$105,212
+HK$5,268/mo
Deposit HK$18.69M · loan HK$18.69M · min. income ≈ HK$199,888/mo (50% DSR)
Upfront cash ≈ HK$20.28M (deposit + AVD stamp duty HK$1,588,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,280
−HK$6,414/mo
▼ 0.25% · 3.875%
HK$105,461
−HK$3,233/mo
Today · 4.125%
HK$108,694
baseline
▲ 0.50% · 4.625%
HK$115,307
+HK$6,613/mo
Deposit HK$14.95M · loan HK$22.43M · min. income ≈ HK$217,388/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,588,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,785
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$116,837
−HK$3,096/mo
Today · 4.125%
HK$119,933
baseline
▲ 0.50% · 4.625%
HK$126,254
+HK$6,321/mo
Deposit HK$14.95M · loan HK$22.43M · min. income ≈ HK$239,866/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,588,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,326
−HK$7,483/mo
▼ 0.25% · 3.875%
HK$123,038
−HK$3,771/mo
Today · 4.125%
HK$126,809
baseline
▲ 0.50% · 4.625%
HK$134,525
+HK$7,716/mo
Deposit HK$11.21M · loan HK$26.17M · min. income ≈ HK$253,618/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,588,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,749
−HK$7,172/mo
▼ 0.25% · 3.875%
HK$136,310
−HK$3,611/mo
Today · 4.125%
HK$139,921
baseline
▲ 0.50% · 4.625%
HK$147,297
+HK$7,376/mo
Deposit HK$11.21M · loan HK$26.17M · min. income ≈ HK$279,842/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,588,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,420
−HK$9,620/mo
▼ 0.25% · 3.875%
HK$158,192
−HK$4,848/mo
Today · 4.125%
HK$163,040
baseline
▲ 0.50% · 4.625%
HK$172,961
+HK$9,921/mo
Deposit HK$3.74M · loan HK$33.64M · min. income ≈ HK$326,080/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,588,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,678
−HK$9,221/mo
▼ 0.25% · 3.875%
HK$175,255
−HK$4,644/mo
Today · 4.125%
HK$179,899
baseline
▲ 0.50% · 4.625%
HK$189,382
+HK$9,483/mo
Deposit HK$3.74M · loan HK$33.64M · min. income ≈ HK$359,798/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,588,596 · Scale 2, in force from 26 Feb 2026)