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$85,197
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$87,847
−HK$2,693/mo
Today · 4.125%
HK$90,540
baseline
▲ 0.50% · 4.625%
HK$96,049
+HK$5,509/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$181,080/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,587,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,781
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$97,323
−HK$2,579/mo
Today · 4.125%
HK$99,902
baseline
▲ 0.50% · 4.625%
HK$105,168
+HK$5,266/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$199,804/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,587,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,237
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$105,417
−HK$3,231/mo
Today · 4.125%
HK$108,648
baseline
▲ 0.50% · 4.625%
HK$115,259
+HK$6,611/mo
Deposit HK$14.95M · loan HK$22.42M · min. income ≈ HK$217,296/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,587,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,737
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$116,788
−HK$3,094/mo
Today · 4.125%
HK$119,882
baseline
▲ 0.50% · 4.625%
HK$126,201
+HK$6,319/mo
Deposit HK$14.95M · loan HK$22.42M · min. income ≈ HK$239,764/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,587,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,276
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$122,986
−HK$3,770/mo
Today · 4.125%
HK$126,756
baseline
▲ 0.50% · 4.625%
HK$134,469
+HK$7,713/mo
Deposit HK$11.21M · loan HK$26.15M · min. income ≈ HK$253,512/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,587,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,694
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$136,252
−HK$3,611/mo
Today · 4.125%
HK$139,863
baseline
▲ 0.50% · 4.625%
HK$147,235
+HK$7,372/mo
Deposit HK$11.21M · loan HK$26.15M · min. income ≈ HK$279,726/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,587,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,355
−HK$9,617/mo
▼ 0.25% · 3.875%
HK$158,125
−HK$4,847/mo
Today · 4.125%
HK$162,972
baseline
▲ 0.50% · 4.625%
HK$172,888
+HK$9,916/mo
Deposit HK$3.74M · loan HK$33.63M · min. income ≈ HK$325,944/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,606
−HK$9,217/mo
▼ 0.25% · 3.875%
HK$175,182
−HK$4,641/mo
Today · 4.125%
HK$179,823
baseline
▲ 0.50% · 4.625%
HK$189,302
+HK$9,479/mo
Deposit HK$3.74M · loan HK$33.63M · min. income ≈ HK$359,646/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,929 · Scale 2, in force from 26 Feb 2026)