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$85,419
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$88,076
−HK$2,700/mo
Today · 4.125%
HK$90,776
baseline
▲ 0.50% · 4.625%
HK$96,299
+HK$5,523/mo
Deposit HK$18.73M · loan HK$18.73M · min. income ≈ HK$181,552/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,592,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,028
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$97,577
−HK$2,585/mo
Today · 4.125%
HK$100,162
baseline
▲ 0.50% · 4.625%
HK$105,442
+HK$5,280/mo
Deposit HK$18.73M · loan HK$18.73M · min. income ≈ HK$200,324/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,592,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,503
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$105,691
−HK$3,240/mo
Today · 4.125%
HK$108,931
baseline
▲ 0.50% · 4.625%
HK$115,559
+HK$6,628/mo
Deposit HK$14.98M · loan HK$22.48M · min. income ≈ HK$217,862/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,592,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,034
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$117,092
−HK$3,102/mo
Today · 4.125%
HK$120,194
baseline
▲ 0.50% · 4.625%
HK$126,530
+HK$6,336/mo
Deposit HK$14.98M · loan HK$22.48M · min. income ≈ HK$240,388/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,592,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,587
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$123,307
−HK$3,779/mo
Today · 4.125%
HK$127,086
baseline
▲ 0.50% · 4.625%
HK$134,819
+HK$7,733/mo
Deposit HK$11.24M · loan HK$26.22M · min. income ≈ HK$254,172/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,592,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,039
−HK$7,188/mo
▼ 0.25% · 3.875%
HK$136,607
−HK$3,620/mo
Today · 4.125%
HK$140,227
baseline
▲ 0.50% · 4.625%
HK$147,618
+HK$7,391/mo
Deposit HK$11.24M · loan HK$26.22M · min. income ≈ HK$280,454/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,592,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,754
−HK$9,642/mo
▼ 0.25% · 3.875%
HK$158,537
−HK$4,859/mo
Today · 4.125%
HK$163,396
baseline
▲ 0.50% · 4.625%
HK$173,338
+HK$9,942/mo
Deposit HK$3.75M · loan HK$33.71M · min. income ≈ HK$326,792/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,592,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,050
−HK$9,242/mo
▼ 0.25% · 3.875%
HK$175,638
−HK$4,654/mo
Today · 4.125%
HK$180,292
baseline
▲ 0.50% · 4.625%
HK$189,795
+HK$9,503/mo
Deposit HK$3.75M · loan HK$33.71M · min. income ≈ HK$360,584/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,592,064 · Scale 2, in force from 26 Feb 2026)