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$84,749
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$87,385
−HK$2,678/mo
Today · 4.125%
HK$90,063
baseline
▲ 0.50% · 4.625%
HK$95,544
+HK$5,481/mo
Deposit HK$18.58M · loan HK$18.58M · min. income ≈ HK$180,126/mo (50% DSR)
Upfront cash ≈ HK$20.16M (deposit + AVD stamp duty HK$1,579,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,282
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$96,811
−HK$2,565/mo
Today · 4.125%
HK$99,376
baseline
▲ 0.50% · 4.625%
HK$104,614
+HK$5,238/mo
Deposit HK$18.58M · loan HK$18.58M · min. income ≈ HK$198,752/mo (50% DSR)
Upfront cash ≈ HK$20.16M (deposit + AVD stamp duty HK$1,579,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,699
−HK$6,377/mo
▼ 0.25% · 3.875%
HK$104,862
−HK$3,214/mo
Today · 4.125%
HK$108,076
baseline
▲ 0.50% · 4.625%
HK$114,652
+HK$6,576/mo
Deposit HK$14.87M · loan HK$22.30M · min. income ≈ HK$216,152/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,579,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,139
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$116,173
−HK$3,078/mo
Today · 4.125%
HK$119,251
baseline
▲ 0.50% · 4.625%
HK$125,537
+HK$6,286/mo
Deposit HK$14.87M · loan HK$22.30M · min. income ≈ HK$238,502/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,579,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,648
−HK$7,441/mo
▼ 0.25% · 3.875%
HK$122,339
−HK$3,750/mo
Today · 4.125%
HK$126,089
baseline
▲ 0.50% · 4.625%
HK$133,761
+HK$7,672/mo
Deposit HK$11.15M · loan HK$26.02M · min. income ≈ HK$252,178/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,579,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,995
−HK$7,131/mo
▼ 0.25% · 3.875%
HK$135,535
−HK$3,591/mo
Today · 4.125%
HK$139,126
baseline
▲ 0.50% · 4.625%
HK$146,460
+HK$7,334/mo
Deposit HK$11.15M · loan HK$26.02M · min. income ≈ HK$278,252/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,579,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,548
−HK$9,566/mo
▼ 0.25% · 3.875%
HK$157,293
−HK$4,821/mo
Today · 4.125%
HK$162,114
baseline
▲ 0.50% · 4.625%
HK$171,978
+HK$9,864/mo
Deposit HK$3.72M · loan HK$33.45M · min. income ≈ HK$324,228/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,579,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,708
−HK$9,169/mo
▼ 0.25% · 3.875%
HK$174,260
−HK$4,617/mo
Today · 4.125%
HK$178,877
baseline
▲ 0.50% · 4.625%
HK$188,306
+HK$9,429/mo
Deposit HK$3.72M · loan HK$33.45M · min. income ≈ HK$357,754/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,579,572 · Scale 2, in force from 26 Feb 2026)