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$84,780
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$87,417
−HK$2,679/mo
Today · 4.125%
HK$90,096
baseline
▲ 0.50% · 4.625%
HK$95,578
+HK$5,482/mo
Deposit HK$18.59M · loan HK$18.59M · min. income ≈ HK$180,192/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,580,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,317
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$96,846
−HK$2,566/mo
Today · 4.125%
HK$99,412
baseline
▲ 0.50% · 4.625%
HK$104,652
+HK$5,240/mo
Deposit HK$18.59M · loan HK$18.59M · min. income ≈ HK$198,824/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,580,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,736
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$104,900
−HK$3,215/mo
Today · 4.125%
HK$108,115
baseline
▲ 0.50% · 4.625%
HK$114,694
+HK$6,579/mo
Deposit HK$14.87M · loan HK$22.31M · min. income ≈ HK$216,230/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,580,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,180
−HK$6,115/mo
▼ 0.25% · 3.875%
HK$116,215
−HK$3,080/mo
Today · 4.125%
HK$119,295
baseline
▲ 0.50% · 4.625%
HK$125,583
+HK$6,288/mo
Deposit HK$14.87M · loan HK$22.31M · min. income ≈ HK$238,590/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,580,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,692
−HK$7,443/mo
▼ 0.25% · 3.875%
HK$122,384
−HK$3,751/mo
Today · 4.125%
HK$126,135
baseline
▲ 0.50% · 4.625%
HK$133,810
+HK$7,675/mo
Deposit HK$11.15M · loan HK$26.03M · min. income ≈ HK$252,270/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,580,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,043
−HK$7,134/mo
▼ 0.25% · 3.875%
HK$135,584
−HK$3,593/mo
Today · 4.125%
HK$139,177
baseline
▲ 0.50% · 4.625%
HK$146,513
+HK$7,336/mo
Deposit HK$11.15M · loan HK$26.03M · min. income ≈ HK$278,354/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,580,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,603
−HK$9,570/mo
▼ 0.25% · 3.875%
HK$157,350
−HK$4,823/mo
Today · 4.125%
HK$162,173
baseline
▲ 0.50% · 4.625%
HK$172,041
+HK$9,868/mo
Deposit HK$3.72M · loan HK$33.46M · min. income ≈ HK$324,346/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,580,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,770
−HK$9,172/mo
▼ 0.25% · 3.875%
HK$174,323
−HK$4,619/mo
Today · 4.125%
HK$178,942
baseline
▲ 0.50% · 4.625%
HK$188,374
+HK$9,432/mo
Deposit HK$3.72M · loan HK$33.46M · min. income ≈ HK$357,884/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,580,145 · Scale 2, in force from 26 Feb 2026)