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$85,210
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$87,861
−HK$2,692/mo
Today · 4.125%
HK$90,553
baseline
▲ 0.50% · 4.625%
HK$96,063
+HK$5,510/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$181,106/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,588,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,795
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$97,338
−HK$2,579/mo
Today · 4.125%
HK$99,917
baseline
▲ 0.50% · 4.625%
HK$105,184
+HK$5,267/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$199,834/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,588,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,252
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$105,433
−HK$3,231/mo
Today · 4.125%
HK$108,664
baseline
▲ 0.50% · 4.625%
HK$115,276
+HK$6,612/mo
Deposit HK$14.95M · loan HK$22.42M · min. income ≈ HK$217,328/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,588,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,754
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$116,805
−HK$3,095/mo
Today · 4.125%
HK$119,900
baseline
▲ 0.50% · 4.625%
HK$126,220
+HK$6,320/mo
Deposit HK$14.95M · loan HK$22.42M · min. income ≈ HK$239,800/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,588,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,294
−HK$7,481/mo
▼ 0.25% · 3.875%
HK$123,005
−HK$3,770/mo
Today · 4.125%
HK$126,775
baseline
▲ 0.50% · 4.625%
HK$134,489
+HK$7,714/mo
Deposit HK$11.21M · loan HK$26.16M · min. income ≈ HK$253,550/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,588,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,713
−HK$7,171/mo
▼ 0.25% · 3.875%
HK$136,273
−HK$3,611/mo
Today · 4.125%
HK$139,884
baseline
▲ 0.50% · 4.625%
HK$147,257
+HK$7,373/mo
Deposit HK$11.21M · loan HK$26.16M · min. income ≈ HK$279,768/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,588,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,378
−HK$9,618/mo
▼ 0.25% · 3.875%
HK$158,149
−HK$4,847/mo
Today · 4.125%
HK$162,996
baseline
▲ 0.50% · 4.625%
HK$172,914
+HK$9,918/mo
Deposit HK$3.74M · loan HK$33.63M · min. income ≈ HK$325,992/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,588,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,632
−HK$9,218/mo
▼ 0.25% · 3.875%
HK$175,208
−HK$4,642/mo
Today · 4.125%
HK$179,850
baseline
▲ 0.50% · 4.625%
HK$189,330
+HK$9,480/mo
Deposit HK$3.74M · loan HK$33.63M · min. income ≈ HK$359,700/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,588,167 · Scale 2, in force from 26 Feb 2026)