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$85,064
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$87,710
−HK$2,688/mo
Today · 4.125%
HK$90,398
baseline
▲ 0.50% · 4.625%
HK$95,899
+HK$5,501/mo
Deposit HK$18.65M · loan HK$18.65M · min. income ≈ HK$180,796/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,585,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,633
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$97,171
−HK$2,574/mo
Today · 4.125%
HK$99,745
baseline
▲ 0.50% · 4.625%
HK$105,003
+HK$5,258/mo
Deposit HK$18.65M · loan HK$18.65M · min. income ≈ HK$199,490/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,585,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,077
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$105,252
−HK$3,226/mo
Today · 4.125%
HK$108,478
baseline
▲ 0.50% · 4.625%
HK$115,078
+HK$6,600/mo
Deposit HK$14.92M · loan HK$22.38M · min. income ≈ HK$216,956/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,585,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,559
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$116,605
−HK$3,089/mo
Today · 4.125%
HK$119,694
baseline
▲ 0.50% · 4.625%
HK$126,004
+HK$6,310/mo
Deposit HK$14.92M · loan HK$22.38M · min. income ≈ HK$239,388/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,585,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,089
−HK$7,468/mo
▼ 0.25% · 3.875%
HK$122,794
−HK$3,763/mo
Today · 4.125%
HK$126,557
baseline
▲ 0.50% · 4.625%
HK$134,258
+HK$7,701/mo
Deposit HK$11.19M · loan HK$26.11M · min. income ≈ HK$253,114/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,585,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,486
−HK$7,158/mo
▼ 0.25% · 3.875%
HK$136,039
−HK$3,605/mo
Today · 4.125%
HK$139,644
baseline
▲ 0.50% · 4.625%
HK$147,004
+HK$7,360/mo
Deposit HK$11.19M · loan HK$26.11M · min. income ≈ HK$279,288/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,585,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,115
−HK$9,602/mo
▼ 0.25% · 3.875%
HK$157,878
−HK$4,839/mo
Today · 4.125%
HK$162,717
baseline
▲ 0.50% · 4.625%
HK$172,618
+HK$9,901/mo
Deposit HK$3.73M · loan HK$33.57M · min. income ≈ HK$325,434/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,585,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,339
−HK$9,203/mo
▼ 0.25% · 3.875%
HK$174,907
−HK$4,635/mo
Today · 4.125%
HK$179,542
baseline
▲ 0.50% · 4.625%
HK$189,006
+HK$9,464/mo
Deposit HK$3.73M · loan HK$33.57M · min. income ≈ HK$359,084/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,585,442 · Scale 2, in force from 26 Feb 2026)