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$84,963
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,606
−HK$2,685/mo
Today · 4.125%
HK$90,291
baseline
▲ 0.50% · 4.625%
HK$95,785
+HK$5,494/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$180,582/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,583,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,521
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$97,056
−HK$2,571/mo
Today · 4.125%
HK$99,627
baseline
▲ 0.50% · 4.625%
HK$104,879
+HK$5,252/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$199,254/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,583,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,956
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$105,127
−HK$3,222/mo
Today · 4.125%
HK$108,349
baseline
▲ 0.50% · 4.625%
HK$114,942
+HK$6,593/mo
Deposit HK$14.90M · loan HK$22.36M · min. income ≈ HK$216,698/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,425
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$116,467
−HK$3,086/mo
Today · 4.125%
HK$119,553
baseline
▲ 0.50% · 4.625%
HK$125,855
+HK$6,302/mo
Deposit HK$14.90M · loan HK$22.36M · min. income ≈ HK$239,106/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,948
−HK$7,459/mo
▼ 0.25% · 3.875%
HK$122,648
−HK$3,759/mo
Today · 4.125%
HK$126,407
baseline
▲ 0.50% · 4.625%
HK$134,099
+HK$7,692/mo
Deposit HK$11.18M · loan HK$26.08M · min. income ≈ HK$252,814/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,329
−HK$7,149/mo
▼ 0.25% · 3.875%
HK$135,878
−HK$3,600/mo
Today · 4.125%
HK$139,478
baseline
▲ 0.50% · 4.625%
HK$146,830
+HK$7,352/mo
Deposit HK$11.18M · loan HK$26.08M · min. income ≈ HK$278,956/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,934
−HK$9,590/mo
▼ 0.25% · 3.875%
HK$157,691
−HK$4,833/mo
Today · 4.125%
HK$162,524
baseline
▲ 0.50% · 4.625%
HK$172,413
+HK$9,889/mo
Deposit HK$3.73M · loan HK$33.53M · min. income ≈ HK$325,048/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,137
−HK$9,192/mo
▼ 0.25% · 3.875%
HK$174,700
−HK$4,629/mo
Today · 4.125%
HK$179,329
baseline
▲ 0.50% · 4.625%
HK$188,782
+HK$9,453/mo
Deposit HK$3.73M · loan HK$33.53M · min. income ≈ HK$358,658/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,565 · Scale 2, in force from 26 Feb 2026)