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$85,463
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$88,122
−HK$2,700/mo
Today · 4.125%
HK$90,822
baseline
▲ 0.50% · 4.625%
HK$96,349
+HK$5,527/mo
Deposit HK$18.74M · loan HK$18.74M · min. income ≈ HK$181,644/mo (50% DSR)
Upfront cash ≈ HK$20.33M (deposit + AVD stamp duty HK$1,592,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,077
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$97,627
−HK$2,587/mo
Today · 4.125%
HK$100,214
baseline
▲ 0.50% · 4.625%
HK$105,496
+HK$5,282/mo
Deposit HK$18.74M · loan HK$18.74M · min. income ≈ HK$200,428/mo (50% DSR)
Upfront cash ≈ HK$20.33M (deposit + AVD stamp duty HK$1,592,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,556
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$105,746
−HK$3,241/mo
Today · 4.125%
HK$108,987
baseline
▲ 0.50% · 4.625%
HK$115,619
+HK$6,632/mo
Deposit HK$14.99M · loan HK$22.49M · min. income ≈ HK$217,974/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,592,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,092
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$117,152
−HK$3,104/mo
Today · 4.125%
HK$120,256
baseline
▲ 0.50% · 4.625%
HK$126,595
+HK$6,339/mo
Deposit HK$14.99M · loan HK$22.49M · min. income ≈ HK$240,512/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,592,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,648
−HK$7,503/mo
▼ 0.25% · 3.875%
HK$123,370
−HK$3,781/mo
Today · 4.125%
HK$127,151
baseline
▲ 0.50% · 4.625%
HK$134,888
+HK$7,737/mo
Deposit HK$11.24M · loan HK$26.24M · min. income ≈ HK$254,302/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,592,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,108
−HK$7,191/mo
▼ 0.25% · 3.875%
HK$136,678
−HK$3,621/mo
Today · 4.125%
HK$140,299
baseline
▲ 0.50% · 4.625%
HK$147,694
+HK$7,395/mo
Deposit HK$11.24M · loan HK$26.24M · min. income ≈ HK$280,598/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,592,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,834
−HK$9,646/mo
▼ 0.25% · 3.875%
HK$158,619
−HK$4,861/mo
Today · 4.125%
HK$163,480
baseline
▲ 0.50% · 4.625%
HK$173,428
+HK$9,948/mo
Deposit HK$3.75M · loan HK$33.73M · min. income ≈ HK$326,960/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,592,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,138
−HK$9,246/mo
▼ 0.25% · 3.875%
HK$175,728
−HK$4,656/mo
Today · 4.125%
HK$180,384
baseline
▲ 0.50% · 4.625%
HK$189,893
+HK$9,509/mo
Deposit HK$3.75M · loan HK$33.73M · min. income ≈ HK$360,768/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,592,884 · Scale 2, in force from 26 Feb 2026)