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$85,255
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$87,907
−HK$2,694/mo
Today · 4.125%
HK$90,601
baseline
▲ 0.50% · 4.625%
HK$96,114
+HK$5,513/mo
Deposit HK$18.69M · loan HK$18.69M · min. income ≈ HK$181,202/mo (50% DSR)
Upfront cash ≈ HK$20.28M (deposit + AVD stamp duty HK$1,589,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,845
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$97,389
−HK$2,580/mo
Today · 4.125%
HK$99,969
baseline
▲ 0.50% · 4.625%
HK$105,239
+HK$5,270/mo
Deposit HK$18.69M · loan HK$18.69M · min. income ≈ HK$199,938/mo (50% DSR)
Upfront cash ≈ HK$20.28M (deposit + AVD stamp duty HK$1,589,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,306
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$105,488
−HK$3,233/mo
Today · 4.125%
HK$108,721
baseline
▲ 0.50% · 4.625%
HK$115,337
+HK$6,616/mo
Deposit HK$14.96M · loan HK$22.43M · min. income ≈ HK$217,442/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,589,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,814
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$116,867
−HK$3,096/mo
Today · 4.125%
HK$119,963
baseline
▲ 0.50% · 4.625%
HK$126,287
+HK$6,324/mo
Deposit HK$14.96M · loan HK$22.43M · min. income ≈ HK$239,926/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,589,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,357
−HK$7,485/mo
▼ 0.25% · 3.875%
HK$123,070
−HK$3,772/mo
Today · 4.125%
HK$126,842
baseline
▲ 0.50% · 4.625%
HK$134,560
+HK$7,718/mo
Deposit HK$11.22M · loan HK$26.17M · min. income ≈ HK$253,684/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,783
−HK$7,174/mo
▼ 0.25% · 3.875%
HK$136,345
−HK$3,612/mo
Today · 4.125%
HK$139,957
baseline
▲ 0.50% · 4.625%
HK$147,335
+HK$7,378/mo
Deposit HK$11.22M · loan HK$26.17M · min. income ≈ HK$279,914/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,459
−HK$9,623/mo
▼ 0.25% · 3.875%
HK$158,232
−HK$4,850/mo
Today · 4.125%
HK$163,082
baseline
▲ 0.50% · 4.625%
HK$173,005
+HK$9,923/mo
Deposit HK$3.74M · loan HK$33.65M · min. income ≈ HK$326,164/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,721
−HK$9,224/mo
▼ 0.25% · 3.875%
HK$175,300
−HK$4,645/mo
Today · 4.125%
HK$179,945
baseline
▲ 0.50% · 4.625%
HK$189,430
+HK$9,485/mo
Deposit HK$3.74M · loan HK$33.65M · min. income ≈ HK$359,890/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,004 · Scale 2, in force from 26 Feb 2026)