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$85,275
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$87,927
−HK$2,695/mo
Today · 4.125%
HK$90,622
baseline
▲ 0.50% · 4.625%
HK$96,136
+HK$5,514/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$181,244/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,867
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$97,411
−HK$2,581/mo
Today · 4.125%
HK$99,992
baseline
▲ 0.50% · 4.625%
HK$105,263
+HK$5,271/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$199,984/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,329
−HK$6,417/mo
▼ 0.25% · 3.875%
HK$105,512
−HK$3,234/mo
Today · 4.125%
HK$108,746
baseline
▲ 0.50% · 4.625%
HK$115,363
+HK$6,617/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$217,492/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,840
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$116,894
−HK$3,097/mo
Today · 4.125%
HK$119,991
baseline
▲ 0.50% · 4.625%
HK$126,316
+HK$6,325/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$239,982/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,384
−HK$7,487/mo
▼ 0.25% · 3.875%
HK$123,098
−HK$3,773/mo
Today · 4.125%
HK$126,871
baseline
▲ 0.50% · 4.625%
HK$134,591
+HK$7,720/mo
Deposit HK$11.22M · loan HK$26.18M · min. income ≈ HK$253,742/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,814
−HK$7,175/mo
▼ 0.25% · 3.875%
HK$136,376
−HK$3,613/mo
Today · 4.125%
HK$139,989
baseline
▲ 0.50% · 4.625%
HK$147,368
+HK$7,379/mo
Deposit HK$11.22M · loan HK$26.18M · min. income ≈ HK$279,978/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,494
−HK$9,626/mo
▼ 0.25% · 3.875%
HK$158,269
−HK$4,851/mo
Today · 4.125%
HK$163,120
baseline
▲ 0.50% · 4.625%
HK$173,045
+HK$9,925/mo
Deposit HK$3.74M · loan HK$33.66M · min. income ≈ HK$326,240/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,761
−HK$9,225/mo
▼ 0.25% · 3.875%
HK$175,340
−HK$4,646/mo
Today · 4.125%
HK$179,986
baseline
▲ 0.50% · 4.625%
HK$189,474
+HK$9,488/mo
Deposit HK$3.74M · loan HK$33.66M · min. income ≈ HK$359,972/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,369 · Scale 2, in force from 26 Feb 2026)