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$85,142
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$87,790
−HK$2,691/mo
Today · 4.125%
HK$90,481
baseline
▲ 0.50% · 4.625%
HK$95,986
+HK$5,505/mo
Deposit HK$18.67M · loan HK$18.67M · min. income ≈ HK$180,962/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,586,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,719
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$97,260
−HK$2,577/mo
Today · 4.125%
HK$99,837
baseline
▲ 0.50% · 4.625%
HK$105,099
+HK$5,262/mo
Deposit HK$18.67M · loan HK$18.67M · min. income ≈ HK$199,674/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,586,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,170
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$105,348
−HK$3,229/mo
Today · 4.125%
HK$108,577
baseline
▲ 0.50% · 4.625%
HK$115,184
+HK$6,607/mo
Deposit HK$14.94M · loan HK$22.40M · min. income ≈ HK$217,154/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,586,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,663
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$116,712
−HK$3,092/mo
Today · 4.125%
HK$119,804
baseline
▲ 0.50% · 4.625%
HK$126,119
+HK$6,315/mo
Deposit HK$14.94M · loan HK$22.40M · min. income ≈ HK$239,608/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,586,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,198
−HK$7,475/mo
▼ 0.25% · 3.875%
HK$122,906
−HK$3,767/mo
Today · 4.125%
HK$126,673
baseline
▲ 0.50% · 4.625%
HK$134,381
+HK$7,708/mo
Deposit HK$11.20M · loan HK$26.14M · min. income ≈ HK$253,346/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,586,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,607
−HK$7,164/mo
▼ 0.25% · 3.875%
HK$136,164
−HK$3,607/mo
Today · 4.125%
HK$139,771
baseline
▲ 0.50% · 4.625%
HK$147,139
+HK$7,368/mo
Deposit HK$11.20M · loan HK$26.14M · min. income ≈ HK$279,542/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,586,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,255
−HK$9,611/mo
▼ 0.25% · 3.875%
HK$158,022
−HK$4,844/mo
Today · 4.125%
HK$162,866
baseline
▲ 0.50% · 4.625%
HK$172,776
+HK$9,910/mo
Deposit HK$3.73M · loan HK$33.60M · min. income ≈ HK$325,732/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,495
−HK$9,211/mo
▼ 0.25% · 3.875%
HK$175,067
−HK$4,639/mo
Today · 4.125%
HK$179,706
baseline
▲ 0.50% · 4.625%
HK$189,179
+HK$9,473/mo
Deposit HK$3.73M · loan HK$33.60M · min. income ≈ HK$359,412/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,894 · Scale 2, in force from 26 Feb 2026)