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$84,975
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$87,618
−HK$2,686/mo
Today · 4.125%
HK$90,304
baseline
▲ 0.50% · 4.625%
HK$95,799
+HK$5,495/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$180,608/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,583,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,534
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$97,069
−HK$2,572/mo
Today · 4.125%
HK$99,641
baseline
▲ 0.50% · 4.625%
HK$104,894
+HK$5,253/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$199,282/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,583,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,970
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$105,142
−HK$3,223/mo
Today · 4.125%
HK$108,365
baseline
▲ 0.50% · 4.625%
HK$114,958
+HK$6,593/mo
Deposit HK$14.91M · loan HK$22.36M · min. income ≈ HK$216,730/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,441
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$116,483
−HK$3,087/mo
Today · 4.125%
HK$119,570
baseline
▲ 0.50% · 4.625%
HK$125,872
+HK$6,302/mo
Deposit HK$14.91M · loan HK$22.36M · min. income ≈ HK$239,140/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,965
−HK$7,460/mo
▼ 0.25% · 3.875%
HK$122,666
−HK$3,759/mo
Today · 4.125%
HK$126,425
baseline
▲ 0.50% · 4.625%
HK$134,118
+HK$7,693/mo
Deposit HK$11.18M · loan HK$26.09M · min. income ≈ HK$252,850/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,348
−HK$7,150/mo
▼ 0.25% · 3.875%
HK$135,897
−HK$3,601/mo
Today · 4.125%
HK$139,498
baseline
▲ 0.50% · 4.625%
HK$146,851
+HK$7,353/mo
Deposit HK$11.18M · loan HK$26.09M · min. income ≈ HK$278,996/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,955
−HK$9,592/mo
▼ 0.25% · 3.875%
HK$157,713
−HK$4,834/mo
Today · 4.125%
HK$162,547
baseline
▲ 0.50% · 4.625%
HK$172,438
+HK$9,891/mo
Deposit HK$3.73M · loan HK$33.54M · min. income ≈ HK$325,094/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,161
−HK$9,194/mo
▼ 0.25% · 3.875%
HK$174,725
−HK$4,630/mo
Today · 4.125%
HK$179,355
baseline
▲ 0.50% · 4.625%
HK$188,809
+HK$9,454/mo
Deposit HK$3.73M · loan HK$33.54M · min. income ≈ HK$358,710/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,790 · Scale 2, in force from 26 Feb 2026)