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$85,467
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$88,125
−HK$2,701/mo
Today · 4.125%
HK$90,826
baseline
▲ 0.50% · 4.625%
HK$96,353
+HK$5,527/mo
Deposit HK$18.74M · loan HK$18.74M · min. income ≈ HK$181,652/mo (50% DSR)
Upfront cash ≈ HK$20.33M (deposit + AVD stamp duty HK$1,592,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,081
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$97,631
−HK$2,587/mo
Today · 4.125%
HK$100,218
baseline
▲ 0.50% · 4.625%
HK$105,501
+HK$5,283/mo
Deposit HK$18.74M · loan HK$18.74M · min. income ≈ HK$200,436/mo (50% DSR)
Upfront cash ≈ HK$20.33M (deposit + AVD stamp duty HK$1,592,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,560
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$105,750
−HK$3,242/mo
Today · 4.125%
HK$108,992
baseline
▲ 0.50% · 4.625%
HK$115,623
+HK$6,631/mo
Deposit HK$14.99M · loan HK$22.49M · min. income ≈ HK$217,984/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,592,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,097
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$117,157
−HK$3,104/mo
Today · 4.125%
HK$120,261
baseline
▲ 0.50% · 4.625%
HK$126,601
+HK$6,340/mo
Deposit HK$14.99M · loan HK$22.49M · min. income ≈ HK$240,522/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,592,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,654
−HK$7,503/mo
▼ 0.25% · 3.875%
HK$123,375
−HK$3,782/mo
Today · 4.125%
HK$127,157
baseline
▲ 0.50% · 4.625%
HK$134,894
+HK$7,737/mo
Deposit HK$11.24M · loan HK$26.24M · min. income ≈ HK$254,314/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,592,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,113
−HK$7,192/mo
▼ 0.25% · 3.875%
HK$136,683
−HK$3,622/mo
Today · 4.125%
HK$140,305
baseline
▲ 0.50% · 4.625%
HK$147,701
+HK$7,396/mo
Deposit HK$11.24M · loan HK$26.24M · min. income ≈ HK$280,610/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,592,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,840
−HK$9,647/mo
▼ 0.25% · 3.875%
HK$158,626
−HK$4,861/mo
Today · 4.125%
HK$163,487
baseline
▲ 0.50% · 4.625%
HK$173,435
+HK$9,948/mo
Deposit HK$3.75M · loan HK$33.73M · min. income ≈ HK$326,974/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,592,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,146
−HK$9,246/mo
▼ 0.25% · 3.875%
HK$175,736
−HK$4,656/mo
Today · 4.125%
HK$180,392
baseline
▲ 0.50% · 4.625%
HK$189,901
+HK$9,509/mo
Deposit HK$3.75M · loan HK$33.73M · min. income ≈ HK$360,784/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,592,953 · Scale 2, in force from 26 Feb 2026)