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$85,328
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$87,983
−HK$2,696/mo
Today · 4.125%
HK$90,679
baseline
▲ 0.50% · 4.625%
HK$96,197
+HK$5,518/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$181,358/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,927
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$97,473
−HK$2,583/mo
Today · 4.125%
HK$100,056
baseline
▲ 0.50% · 4.625%
HK$105,330
+HK$5,274/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$200,112/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,394
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$105,579
−HK$3,236/mo
Today · 4.125%
HK$108,815
baseline
▲ 0.50% · 4.625%
HK$115,436
+HK$6,621/mo
Deposit HK$14.97M · loan HK$22.45M · min. income ≈ HK$217,630/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,912
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$116,968
−HK$3,099/mo
Today · 4.125%
HK$120,067
baseline
▲ 0.50% · 4.625%
HK$126,396
+HK$6,329/mo
Deposit HK$14.97M · loan HK$22.45M · min. income ≈ HK$240,134/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,460
−HK$7,491/mo
▼ 0.25% · 3.875%
HK$123,176
−HK$3,775/mo
Today · 4.125%
HK$126,951
baseline
▲ 0.50% · 4.625%
HK$134,676
+HK$7,725/mo
Deposit HK$11.23M · loan HK$26.19M · min. income ≈ HK$253,902/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,898
−HK$7,180/mo
▼ 0.25% · 3.875%
HK$136,462
−HK$3,616/mo
Today · 4.125%
HK$140,078
baseline
▲ 0.50% · 4.625%
HK$147,462
+HK$7,384/mo
Deposit HK$11.23M · loan HK$26.19M · min. income ≈ HK$280,156/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,591
−HK$9,632/mo
▼ 0.25% · 3.875%
HK$158,369
−HK$4,854/mo
Today · 4.125%
HK$163,223
baseline
▲ 0.50% · 4.625%
HK$173,154
+HK$9,931/mo
Deposit HK$3.74M · loan HK$33.68M · min. income ≈ HK$326,446/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,869
−HK$9,231/mo
▼ 0.25% · 3.875%
HK$175,451
−HK$4,649/mo
Today · 4.125%
HK$180,100
baseline
▲ 0.50% · 4.625%
HK$189,594
+HK$9,494/mo
Deposit HK$3.74M · loan HK$33.68M · min. income ≈ HK$360,200/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,374 · Scale 2, in force from 26 Feb 2026)