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$84,755
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$87,391
−HK$2,679/mo
Today · 4.125%
HK$90,070
baseline
▲ 0.50% · 4.625%
HK$95,551
+HK$5,481/mo
Deposit HK$18.58M · loan HK$18.58M · min. income ≈ HK$180,140/mo (50% DSR)
Upfront cash ≈ HK$20.16M (deposit + AVD stamp duty HK$1,579,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,289
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$96,818
−HK$2,565/mo
Today · 4.125%
HK$99,383
baseline
▲ 0.50% · 4.625%
HK$104,622
+HK$5,239/mo
Deposit HK$18.58M · loan HK$18.58M · min. income ≈ HK$198,766/mo (50% DSR)
Upfront cash ≈ HK$20.16M (deposit + AVD stamp duty HK$1,579,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,706
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$104,870
−HK$3,214/mo
Today · 4.125%
HK$108,084
baseline
▲ 0.50% · 4.625%
HK$114,661
+HK$6,577/mo
Deposit HK$14.87M · loan HK$22.30M · min. income ≈ HK$216,168/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,579,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,147
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$116,182
−HK$3,078/mo
Today · 4.125%
HK$119,260
baseline
▲ 0.50% · 4.625%
HK$125,546
+HK$6,286/mo
Deposit HK$14.87M · loan HK$22.30M · min. income ≈ HK$238,520/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,579,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,657
−HK$7,441/mo
▼ 0.25% · 3.875%
HK$122,348
−HK$3,750/mo
Today · 4.125%
HK$126,098
baseline
▲ 0.50% · 4.625%
HK$133,771
+HK$7,673/mo
Deposit HK$11.15M · loan HK$26.02M · min. income ≈ HK$252,196/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,579,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,005
−HK$7,132/mo
▼ 0.25% · 3.875%
HK$135,545
−HK$3,592/mo
Today · 4.125%
HK$139,137
baseline
▲ 0.50% · 4.625%
HK$146,471
+HK$7,334/mo
Deposit HK$11.15M · loan HK$26.02M · min. income ≈ HK$278,274/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,579,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,559
−HK$9,567/mo
▼ 0.25% · 3.875%
HK$157,305
−HK$4,821/mo
Today · 4.125%
HK$162,126
baseline
▲ 0.50% · 4.625%
HK$171,991
+HK$9,865/mo
Deposit HK$3.72M · loan HK$33.45M · min. income ≈ HK$324,252/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,579,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,721
−HK$9,169/mo
▼ 0.25% · 3.875%
HK$174,272
−HK$4,618/mo
Today · 4.125%
HK$178,890
baseline
▲ 0.50% · 4.625%
HK$188,320
+HK$9,430/mo
Deposit HK$3.72M · loan HK$33.45M · min. income ≈ HK$357,780/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,579,688 · Scale 2, in force from 26 Feb 2026)