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$84,816
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$87,454
−HK$2,681/mo
Today · 4.125%
HK$90,135
baseline
▲ 0.50% · 4.625%
HK$95,619
+HK$5,484/mo
Deposit HK$18.60M · loan HK$18.60M · min. income ≈ HK$180,270/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,580,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,357
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$96,888
−HK$2,567/mo
Today · 4.125%
HK$99,455
baseline
▲ 0.50% · 4.625%
HK$104,697
+HK$5,242/mo
Deposit HK$18.60M · loan HK$18.60M · min. income ≈ HK$198,910/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,580,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,779
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$104,945
−HK$3,217/mo
Today · 4.125%
HK$108,162
baseline
▲ 0.50% · 4.625%
HK$114,743
+HK$6,581/mo
Deposit HK$14.88M · loan HK$22.32M · min. income ≈ HK$216,324/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,580,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,228
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$116,265
−HK$3,081/mo
Today · 4.125%
HK$119,346
baseline
▲ 0.50% · 4.625%
HK$125,637
+HK$6,291/mo
Deposit HK$14.88M · loan HK$22.32M · min. income ≈ HK$238,692/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,580,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,742
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$122,436
−HK$3,753/mo
Today · 4.125%
HK$126,189
baseline
▲ 0.50% · 4.625%
HK$133,867
+HK$7,678/mo
Deposit HK$11.16M · loan HK$26.04M · min. income ≈ HK$252,378/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,580,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,100
−HK$7,137/mo
▼ 0.25% · 3.875%
HK$135,643
−HK$3,594/mo
Today · 4.125%
HK$139,237
baseline
▲ 0.50% · 4.625%
HK$146,576
+HK$7,339/mo
Deposit HK$11.16M · loan HK$26.04M · min. income ≈ HK$278,474/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,580,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,669
−HK$9,574/mo
▼ 0.25% · 3.875%
HK$157,418
−HK$4,825/mo
Today · 4.125%
HK$162,243
baseline
▲ 0.50% · 4.625%
HK$172,115
+HK$9,872/mo
Deposit HK$3.72M · loan HK$33.48M · min. income ≈ HK$324,486/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,580,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,843
−HK$9,176/mo
▼ 0.25% · 3.875%
HK$174,398
−HK$4,621/mo
Today · 4.125%
HK$179,019
baseline
▲ 0.50% · 4.625%
HK$188,455
+HK$9,436/mo
Deposit HK$3.72M · loan HK$33.48M · min. income ≈ HK$358,038/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,580,824 · Scale 2, in force from 26 Feb 2026)