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$85,220
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$87,870
−HK$2,694/mo
Today · 4.125%
HK$90,564
baseline
▲ 0.50% · 4.625%
HK$96,074
+HK$5,510/mo
Deposit HK$18.69M · loan HK$18.69M · min. income ≈ HK$181,128/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,588,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,806
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$97,349
−HK$2,579/mo
Today · 4.125%
HK$99,928
baseline
▲ 0.50% · 4.625%
HK$105,195
+HK$5,267/mo
Deposit HK$18.69M · loan HK$18.69M · min. income ≈ HK$199,856/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,588,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,263
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$105,444
−HK$3,232/mo
Today · 4.125%
HK$108,676
baseline
▲ 0.50% · 4.625%
HK$115,289
+HK$6,613/mo
Deposit HK$14.95M · loan HK$22.42M · min. income ≈ HK$217,352/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,588,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,767
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$116,818
−HK$3,096/mo
Today · 4.125%
HK$119,914
baseline
▲ 0.50% · 4.625%
HK$126,234
+HK$6,320/mo
Deposit HK$14.95M · loan HK$22.42M · min. income ≈ HK$239,828/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,588,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,307
−HK$7,482/mo
▼ 0.25% · 3.875%
HK$123,019
−HK$3,770/mo
Today · 4.125%
HK$126,789
baseline
▲ 0.50% · 4.625%
HK$134,504
+HK$7,715/mo
Deposit HK$11.21M · loan HK$26.16M · min. income ≈ HK$253,578/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,588,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,728
−HK$7,171/mo
▼ 0.25% · 3.875%
HK$136,288
−HK$3,611/mo
Today · 4.125%
HK$139,899
baseline
▲ 0.50% · 4.625%
HK$147,273
+HK$7,374/mo
Deposit HK$11.21M · loan HK$26.16M · min. income ≈ HK$279,798/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,588,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,395
−HK$9,619/mo
▼ 0.25% · 3.875%
HK$158,167
−HK$4,847/mo
Today · 4.125%
HK$163,014
baseline
▲ 0.50% · 4.625%
HK$172,934
+HK$9,920/mo
Deposit HK$3.74M · loan HK$33.64M · min. income ≈ HK$326,028/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,588,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,651
−HK$9,219/mo
▼ 0.25% · 3.875%
HK$175,227
−HK$4,643/mo
Today · 4.125%
HK$179,870
baseline
▲ 0.50% · 4.625%
HK$189,352
+HK$9,482/mo
Deposit HK$3.74M · loan HK$33.64M · min. income ≈ HK$359,740/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,588,345 · Scale 2, in force from 26 Feb 2026)