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$84,990
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$87,634
−HK$2,686/mo
Today · 4.125%
HK$90,320
baseline
▲ 0.50% · 4.625%
HK$95,816
+HK$5,496/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$180,640/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,584,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,551
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$97,086
−HK$2,573/mo
Today · 4.125%
HK$99,659
baseline
▲ 0.50% · 4.625%
HK$104,912
+HK$5,253/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$199,318/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,584,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,988
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$105,161
−HK$3,223/mo
Today · 4.125%
HK$108,384
baseline
▲ 0.50% · 4.625%
HK$114,979
+HK$6,595/mo
Deposit HK$14.91M · loan HK$22.36M · min. income ≈ HK$216,768/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,584,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,461
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$116,504
−HK$3,087/mo
Today · 4.125%
HK$119,591
baseline
▲ 0.50% · 4.625%
HK$125,895
+HK$6,304/mo
Deposit HK$14.91M · loan HK$22.36M · min. income ≈ HK$239,182/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,584,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,986
−HK$7,462/mo
▼ 0.25% · 3.875%
HK$122,687
−HK$3,761/mo
Today · 4.125%
HK$126,448
baseline
▲ 0.50% · 4.625%
HK$134,142
+HK$7,694/mo
Deposit HK$11.18M · loan HK$26.09M · min. income ≈ HK$252,896/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,371
−HK$7,152/mo
▼ 0.25% · 3.875%
HK$135,921
−HK$3,602/mo
Today · 4.125%
HK$139,523
baseline
▲ 0.50% · 4.625%
HK$146,877
+HK$7,354/mo
Deposit HK$11.18M · loan HK$26.09M · min. income ≈ HK$279,046/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,982
−HK$9,594/mo
▼ 0.25% · 3.875%
HK$157,741
−HK$4,835/mo
Today · 4.125%
HK$162,576
baseline
▲ 0.50% · 4.625%
HK$172,468
+HK$9,892/mo
Deposit HK$3.73M · loan HK$33.54M · min. income ≈ HK$325,152/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,191
−HK$9,195/mo
▼ 0.25% · 3.875%
HK$174,756
−HK$4,630/mo
Today · 4.125%
HK$179,386
baseline
▲ 0.50% · 4.625%
HK$188,842
+HK$9,456/mo
Deposit HK$3.73M · loan HK$33.54M · min. income ≈ HK$358,772/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,068 · Scale 2, in force from 26 Feb 2026)