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$84,706
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$87,340
−HK$2,677/mo
Today · 4.125%
HK$90,017
baseline
▲ 0.50% · 4.625%
HK$95,495
+HK$5,478/mo
Deposit HK$18.57M · loan HK$18.57M · min. income ≈ HK$180,034/mo (50% DSR)
Upfront cash ≈ HK$20.15M (deposit + AVD stamp duty HK$1,578,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,234
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,761
−HK$2,564/mo
Today · 4.125%
HK$99,325
baseline
▲ 0.50% · 4.625%
HK$104,561
+HK$5,236/mo
Deposit HK$18.57M · loan HK$18.57M · min. income ≈ HK$198,650/mo (50% DSR)
Upfront cash ≈ HK$20.15M (deposit + AVD stamp duty HK$1,578,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,647
−HK$6,374/mo
▼ 0.25% · 3.875%
HK$104,809
−HK$3,212/mo
Today · 4.125%
HK$108,021
baseline
▲ 0.50% · 4.625%
HK$114,594
+HK$6,573/mo
Deposit HK$14.86M · loan HK$22.29M · min. income ≈ HK$216,042/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,578,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,081
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$116,114
−HK$3,076/mo
Today · 4.125%
HK$119,190
baseline
▲ 0.50% · 4.625%
HK$125,473
+HK$6,283/mo
Deposit HK$14.86M · loan HK$22.29M · min. income ≈ HK$238,380/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,578,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,588
−HK$7,436/mo
▼ 0.25% · 3.875%
HK$122,277
−HK$3,747/mo
Today · 4.125%
HK$126,024
baseline
▲ 0.50% · 4.625%
HK$133,693
+HK$7,669/mo
Deposit HK$11.14M · loan HK$26.00M · min. income ≈ HK$252,048/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,578,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,928
−HK$7,127/mo
▼ 0.25% · 3.875%
HK$135,466
−HK$3,589/mo
Today · 4.125%
HK$139,055
baseline
▲ 0.50% · 4.625%
HK$146,385
+HK$7,330/mo
Deposit HK$11.14M · loan HK$26.00M · min. income ≈ HK$278,110/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,578,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,470
−HK$9,561/mo
▼ 0.25% · 3.875%
HK$157,213
−HK$4,818/mo
Today · 4.125%
HK$162,031
baseline
▲ 0.50% · 4.625%
HK$171,891
+HK$9,860/mo
Deposit HK$3.71M · loan HK$33.43M · min. income ≈ HK$324,062/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,578,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,621
−HK$9,165/mo
▼ 0.25% · 3.875%
HK$174,171
−HK$4,615/mo
Today · 4.125%
HK$178,786
baseline
▲ 0.50% · 4.625%
HK$188,210
+HK$9,424/mo
Deposit HK$3.71M · loan HK$33.43M · min. income ≈ HK$357,572/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,578,765 · Scale 2, in force from 26 Feb 2026)