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$85,389
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$88,045
−HK$2,699/mo
Today · 4.125%
HK$90,744
baseline
▲ 0.50% · 4.625%
HK$96,265
+HK$5,521/mo
Deposit HK$18.72M · loan HK$18.72M · min. income ≈ HK$181,488/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,591,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,994
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$97,542
−HK$2,585/mo
Today · 4.125%
HK$100,127
baseline
▲ 0.50% · 4.625%
HK$105,405
+HK$5,278/mo
Deposit HK$18.72M · loan HK$18.72M · min. income ≈ HK$200,254/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,591,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,467
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$105,654
−HK$3,238/mo
Today · 4.125%
HK$108,892
baseline
▲ 0.50% · 4.625%
HK$115,518
+HK$6,626/mo
Deposit HK$14.98M · loan HK$22.47M · min. income ≈ HK$217,784/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,591,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,993
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$117,051
−HK$3,101/mo
Today · 4.125%
HK$120,152
baseline
▲ 0.50% · 4.625%
HK$126,485
+HK$6,333/mo
Deposit HK$14.98M · loan HK$22.47M · min. income ≈ HK$240,304/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,591,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,545
−HK$7,496/mo
▼ 0.25% · 3.875%
HK$123,263
−HK$3,778/mo
Today · 4.125%
HK$127,041
baseline
▲ 0.50% · 4.625%
HK$134,771
+HK$7,730/mo
Deposit HK$11.23M · loan HK$26.21M · min. income ≈ HK$254,082/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,591,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,992
−HK$7,185/mo
▼ 0.25% · 3.875%
HK$136,559
−HK$3,618/mo
Today · 4.125%
HK$140,177
baseline
▲ 0.50% · 4.625%
HK$147,566
+HK$7,389/mo
Deposit HK$11.23M · loan HK$26.21M · min. income ≈ HK$280,354/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,591,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,700
−HK$9,639/mo
▼ 0.25% · 3.875%
HK$158,481
−HK$4,858/mo
Today · 4.125%
HK$163,339
baseline
▲ 0.50% · 4.625%
HK$173,277
+HK$9,938/mo
Deposit HK$3.74M · loan HK$33.70M · min. income ≈ HK$326,678/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,591,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,990
−HK$9,238/mo
▼ 0.25% · 3.875%
HK$175,576
−HK$4,652/mo
Today · 4.125%
HK$180,228
baseline
▲ 0.50% · 4.625%
HK$189,728
+HK$9,500/mo
Deposit HK$3.74M · loan HK$33.70M · min. income ≈ HK$360,456/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,591,504 · Scale 2, in force from 26 Feb 2026)