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$84,969
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,612
−HK$2,685/mo
Today · 4.125%
HK$90,297
baseline
▲ 0.50% · 4.625%
HK$95,791
+HK$5,494/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$180,594/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,583,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,527
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$97,062
−HK$2,572/mo
Today · 4.125%
HK$99,634
baseline
▲ 0.50% · 4.625%
HK$104,886
+HK$5,252/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$199,268/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,583,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,962
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$105,134
−HK$3,222/mo
Today · 4.125%
HK$108,356
baseline
▲ 0.50% · 4.625%
HK$114,949
+HK$6,593/mo
Deposit HK$14.91M · loan HK$22.36M · min. income ≈ HK$216,712/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,432
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$116,474
−HK$3,086/mo
Today · 4.125%
HK$119,560
baseline
▲ 0.50% · 4.625%
HK$125,863
+HK$6,303/mo
Deposit HK$14.91M · loan HK$22.36M · min. income ≈ HK$239,120/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,956
−HK$7,460/mo
▼ 0.25% · 3.875%
HK$122,656
−HK$3,760/mo
Today · 4.125%
HK$126,416
baseline
▲ 0.50% · 4.625%
HK$134,108
+HK$7,692/mo
Deposit HK$11.18M · loan HK$26.08M · min. income ≈ HK$252,832/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,337
−HK$7,150/mo
▼ 0.25% · 3.875%
HK$135,887
−HK$3,600/mo
Today · 4.125%
HK$139,487
baseline
▲ 0.50% · 4.625%
HK$146,840
+HK$7,353/mo
Deposit HK$11.18M · loan HK$26.08M · min. income ≈ HK$278,974/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,943
−HK$9,591/mo
▼ 0.25% · 3.875%
HK$157,701
−HK$4,833/mo
Today · 4.125%
HK$162,534
baseline
▲ 0.50% · 4.625%
HK$172,424
+HK$9,890/mo
Deposit HK$3.73M · loan HK$33.54M · min. income ≈ HK$325,068/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,148
−HK$9,193/mo
▼ 0.25% · 3.875%
HK$174,711
−HK$4,630/mo
Today · 4.125%
HK$179,341
baseline
▲ 0.50% · 4.625%
HK$188,794
+HK$9,453/mo
Deposit HK$3.73M · loan HK$33.54M · min. income ≈ HK$358,682/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,667 · Scale 2, in force from 26 Feb 2026)