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$85,305
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$87,958
−HK$2,696/mo
Today · 4.125%
HK$90,654
baseline
▲ 0.50% · 4.625%
HK$96,170
+HK$5,516/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$181,308/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,901
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$97,446
−HK$2,582/mo
Today · 4.125%
HK$100,028
baseline
▲ 0.50% · 4.625%
HK$105,300
+HK$5,272/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$200,056/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,366
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$105,550
−HK$3,235/mo
Today · 4.125%
HK$108,785
baseline
▲ 0.50% · 4.625%
HK$115,404
+HK$6,619/mo
Deposit HK$14.96M · loan HK$22.45M · min. income ≈ HK$217,570/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,881
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$116,935
−HK$3,098/mo
Today · 4.125%
HK$120,033
baseline
▲ 0.50% · 4.625%
HK$126,360
+HK$6,327/mo
Deposit HK$14.96M · loan HK$22.45M · min. income ≈ HK$240,066/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,427
−HK$7,489/mo
▼ 0.25% · 3.875%
HK$123,141
−HK$3,775/mo
Today · 4.125%
HK$126,916
baseline
▲ 0.50% · 4.625%
HK$134,638
+HK$7,722/mo
Deposit HK$11.22M · loan HK$26.19M · min. income ≈ HK$253,832/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,861
−HK$7,178/mo
▼ 0.25% · 3.875%
HK$136,424
−HK$3,615/mo
Today · 4.125%
HK$140,039
baseline
▲ 0.50% · 4.625%
HK$147,421
+HK$7,382/mo
Deposit HK$11.22M · loan HK$26.19M · min. income ≈ HK$280,078/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,548
−HK$9,629/mo
▼ 0.25% · 3.875%
HK$158,325
−HK$4,852/mo
Today · 4.125%
HK$163,177
baseline
▲ 0.50% · 4.625%
HK$173,106
+HK$9,929/mo
Deposit HK$3.74M · loan HK$33.67M · min. income ≈ HK$326,354/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,821
−HK$9,229/mo
▼ 0.25% · 3.875%
HK$175,402
−HK$4,648/mo
Today · 4.125%
HK$180,050
baseline
▲ 0.50% · 4.625%
HK$189,541
+HK$9,491/mo
Deposit HK$3.74M · loan HK$33.67M · min. income ≈ HK$360,100/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,931 · Scale 2, in force from 26 Feb 2026)