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$85,385
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$88,041
−HK$2,699/mo
Today · 4.125%
HK$90,740
baseline
▲ 0.50% · 4.625%
HK$96,261
+HK$5,521/mo
Deposit HK$18.72M · loan HK$18.72M · min. income ≈ HK$181,480/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,591,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,990
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$97,538
−HK$2,584/mo
Today · 4.125%
HK$100,122
baseline
▲ 0.50% · 4.625%
HK$105,400
+HK$5,278/mo
Deposit HK$18.72M · loan HK$18.72M · min. income ≈ HK$200,244/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,591,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,462
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$105,650
−HK$3,238/mo
Today · 4.125%
HK$108,888
baseline
▲ 0.50% · 4.625%
HK$115,513
+HK$6,625/mo
Deposit HK$14.98M · loan HK$22.47M · min. income ≈ HK$217,776/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,591,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,988
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$117,046
−HK$3,101/mo
Today · 4.125%
HK$120,147
baseline
▲ 0.50% · 4.625%
HK$126,480
+HK$6,333/mo
Deposit HK$14.98M · loan HK$22.47M · min. income ≈ HK$240,294/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,591,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,539
−HK$7,497/mo
▼ 0.25% · 3.875%
HK$123,258
−HK$3,778/mo
Today · 4.125%
HK$127,036
baseline
▲ 0.50% · 4.625%
HK$134,765
+HK$7,729/mo
Deposit HK$11.23M · loan HK$26.21M · min. income ≈ HK$254,072/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,591,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,986
−HK$7,185/mo
▼ 0.25% · 3.875%
HK$136,553
−HK$3,618/mo
Today · 4.125%
HK$140,171
baseline
▲ 0.50% · 4.625%
HK$147,560
+HK$7,389/mo
Deposit HK$11.23M · loan HK$26.21M · min. income ≈ HK$280,342/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,591,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,694
−HK$9,638/mo
▼ 0.25% · 3.875%
HK$158,474
−HK$4,858/mo
Today · 4.125%
HK$163,332
baseline
▲ 0.50% · 4.625%
HK$173,270
+HK$9,938/mo
Deposit HK$3.74M · loan HK$33.70M · min. income ≈ HK$326,664/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,591,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,983
−HK$9,237/mo
▼ 0.25% · 3.875%
HK$175,568
−HK$4,652/mo
Today · 4.125%
HK$180,220
baseline
▲ 0.50% · 4.625%
HK$189,720
+HK$9,500/mo
Deposit HK$3.74M · loan HK$33.70M · min. income ≈ HK$360,440/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,591,434 · Scale 2, in force from 26 Feb 2026)