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$85,277
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,930
−HK$2,695/mo
Today · 4.125%
HK$90,625
baseline
▲ 0.50% · 4.625%
HK$96,139
+HK$5,514/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$181,250/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,870
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$97,414
−HK$2,581/mo
Today · 4.125%
HK$99,995
baseline
▲ 0.50% · 4.625%
HK$105,266
+HK$5,271/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$199,990/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,332
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$105,516
−HK$3,234/mo
Today · 4.125%
HK$108,750
baseline
▲ 0.50% · 4.625%
HK$115,367
+HK$6,617/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$217,500/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,844
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$116,897
−HK$3,097/mo
Today · 4.125%
HK$119,994
baseline
▲ 0.50% · 4.625%
HK$126,320
+HK$6,326/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$239,988/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,388
−HK$7,487/mo
▼ 0.25% · 3.875%
HK$123,102
−HK$3,773/mo
Today · 4.125%
HK$126,875
baseline
▲ 0.50% · 4.625%
HK$134,595
+HK$7,720/mo
Deposit HK$11.22M · loan HK$26.18M · min. income ≈ HK$253,750/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,818
−HK$7,176/mo
▼ 0.25% · 3.875%
HK$136,380
−HK$3,614/mo
Today · 4.125%
HK$139,994
baseline
▲ 0.50% · 4.625%
HK$147,373
+HK$7,379/mo
Deposit HK$11.22M · loan HK$26.18M · min. income ≈ HK$279,988/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,499
−HK$9,625/mo
▼ 0.25% · 3.875%
HK$158,273
−HK$4,851/mo
Today · 4.125%
HK$163,124
baseline
▲ 0.50% · 4.625%
HK$173,050
+HK$9,926/mo
Deposit HK$3.74M · loan HK$33.66M · min. income ≈ HK$326,248/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,766
−HK$9,226/mo
▼ 0.25% · 3.875%
HK$175,346
−HK$4,646/mo
Today · 4.125%
HK$179,992
baseline
▲ 0.50% · 4.625%
HK$189,479
+HK$9,487/mo
Deposit HK$3.74M · loan HK$33.66M · min. income ≈ HK$359,984/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,416 · Scale 2, in force from 26 Feb 2026)