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$84,910
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,552
−HK$2,683/mo
Today · 4.125%
HK$90,235
baseline
▲ 0.50% · 4.625%
HK$95,726
+HK$5,491/mo
Deposit HK$18.62M · loan HK$18.62M · min. income ≈ HK$180,470/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,582,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,462
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$96,995
−HK$2,570/mo
Today · 4.125%
HK$99,565
baseline
▲ 0.50% · 4.625%
HK$104,814
+HK$5,249/mo
Deposit HK$18.62M · loan HK$18.62M · min. income ≈ HK$199,130/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,582,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,893
−HK$6,389/mo
▼ 0.25% · 3.875%
HK$105,062
−HK$3,220/mo
Today · 4.125%
HK$108,282
baseline
▲ 0.50% · 4.625%
HK$114,871
+HK$6,589/mo
Deposit HK$14.89M · loan HK$22.34M · min. income ≈ HK$216,564/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,582,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,354
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$116,394
−HK$3,085/mo
Today · 4.125%
HK$119,479
baseline
▲ 0.50% · 4.625%
HK$125,776
+HK$6,297/mo
Deposit HK$14.89M · loan HK$22.34M · min. income ≈ HK$238,958/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,582,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,875
−HK$7,454/mo
▼ 0.25% · 3.875%
HK$122,572
−HK$3,757/mo
Today · 4.125%
HK$126,329
baseline
▲ 0.50% · 4.625%
HK$134,016
+HK$7,687/mo
Deposit HK$11.17M · loan HK$26.07M · min. income ≈ HK$252,658/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,582,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,247
−HK$7,145/mo
▼ 0.25% · 3.875%
HK$135,794
−HK$3,598/mo
Today · 4.125%
HK$139,392
baseline
▲ 0.50% · 4.625%
HK$146,739
+HK$7,347/mo
Deposit HK$11.17M · loan HK$26.07M · min. income ≈ HK$278,784/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,582,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,839
−HK$9,584/mo
▼ 0.25% · 3.875%
HK$157,593
−HK$4,830/mo
Today · 4.125%
HK$162,423
baseline
▲ 0.50% · 4.625%
HK$172,306
+HK$9,883/mo
Deposit HK$3.72M · loan HK$33.51M · min. income ≈ HK$324,846/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,582,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,032
−HK$9,186/mo
▼ 0.25% · 3.875%
HK$174,592
−HK$4,626/mo
Today · 4.125%
HK$179,218
baseline
▲ 0.50% · 4.625%
HK$188,665
+HK$9,447/mo
Deposit HK$3.72M · loan HK$33.51M · min. income ≈ HK$358,436/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,582,583 · Scale 2, in force from 26 Feb 2026)