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$85,120
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$87,768
−HK$2,690/mo
Today · 4.125%
HK$90,458
baseline
▲ 0.50% · 4.625%
HK$95,962
+HK$5,504/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$180,916/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,586,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,696
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$97,235
−HK$2,577/mo
Today · 4.125%
HK$99,812
baseline
▲ 0.50% · 4.625%
HK$105,073
+HK$5,261/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$199,624/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,586,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,144
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$105,322
−HK$3,228/mo
Today · 4.125%
HK$108,550
baseline
▲ 0.50% · 4.625%
HK$115,155
+HK$6,605/mo
Deposit HK$14.93M · loan HK$22.40M · min. income ≈ HK$217,100/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,586,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,635
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,682
−HK$3,092/mo
Today · 4.125%
HK$119,774
baseline
▲ 0.50% · 4.625%
HK$126,087
+HK$6,313/mo
Deposit HK$14.93M · loan HK$22.40M · min. income ≈ HK$239,548/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,586,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,169
−HK$7,472/mo
▼ 0.25% · 3.875%
HK$122,875
−HK$3,766/mo
Today · 4.125%
HK$126,641
baseline
▲ 0.50% · 4.625%
HK$134,347
+HK$7,706/mo
Deposit HK$11.20M · loan HK$26.13M · min. income ≈ HK$253,282/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,586,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,574
−HK$7,162/mo
▼ 0.25% · 3.875%
HK$136,129
−HK$3,607/mo
Today · 4.125%
HK$139,736
baseline
▲ 0.50% · 4.625%
HK$147,102
+HK$7,366/mo
Deposit HK$11.20M · loan HK$26.13M · min. income ≈ HK$279,472/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,586,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,217
−HK$9,608/mo
▼ 0.25% · 3.875%
HK$157,983
−HK$4,842/mo
Today · 4.125%
HK$162,825
baseline
▲ 0.50% · 4.625%
HK$172,732
+HK$9,907/mo
Deposit HK$3.73M · loan HK$33.60M · min. income ≈ HK$325,650/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,452
−HK$9,209/mo
▼ 0.25% · 3.875%
HK$175,023
−HK$4,638/mo
Today · 4.125%
HK$179,661
baseline
▲ 0.50% · 4.625%
HK$189,131
+HK$9,470/mo
Deposit HK$3.73M · loan HK$33.60M · min. income ≈ HK$359,322/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,496 · Scale 2, in force from 26 Feb 2026)