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$85,174
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$87,824
−HK$2,691/mo
Today · 4.125%
HK$90,515
baseline
▲ 0.50% · 4.625%
HK$96,023
+HK$5,508/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$181,030/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,587,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,755
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$97,297
−HK$2,578/mo
Today · 4.125%
HK$99,875
baseline
▲ 0.50% · 4.625%
HK$105,139
+HK$5,264/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$199,750/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,587,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,209
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$105,388
−HK$3,230/mo
Today · 4.125%
HK$108,618
baseline
▲ 0.50% · 4.625%
HK$115,228
+HK$6,610/mo
Deposit HK$14.94M · loan HK$22.41M · min. income ≈ HK$217,236/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,587,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,707
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$116,756
−HK$3,094/mo
Today · 4.125%
HK$119,850
baseline
▲ 0.50% · 4.625%
HK$126,167
+HK$6,317/mo
Deposit HK$14.94M · loan HK$22.41M · min. income ≈ HK$239,700/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,587,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,244
−HK$7,478/mo
▼ 0.25% · 3.875%
HK$122,953
−HK$3,769/mo
Today · 4.125%
HK$126,722
baseline
▲ 0.50% · 4.625%
HK$134,432
+HK$7,710/mo
Deposit HK$11.21M · loan HK$26.15M · min. income ≈ HK$253,444/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,587,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,658
−HK$7,167/mo
▼ 0.25% · 3.875%
HK$136,215
−HK$3,610/mo
Today · 4.125%
HK$139,825
baseline
▲ 0.50% · 4.625%
HK$147,195
+HK$7,370/mo
Deposit HK$11.21M · loan HK$26.15M · min. income ≈ HK$279,650/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,587,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,314
−HK$9,614/mo
▼ 0.25% · 3.875%
HK$158,083
−HK$4,845/mo
Today · 4.125%
HK$162,928
baseline
▲ 0.50% · 4.625%
HK$172,841
+HK$9,913/mo
Deposit HK$3.74M · loan HK$33.62M · min. income ≈ HK$325,856/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,560
−HK$9,215/mo
▼ 0.25% · 3.875%
HK$175,134
−HK$4,641/mo
Today · 4.125%
HK$179,775
baseline
▲ 0.50% · 4.625%
HK$189,251
+HK$9,476/mo
Deposit HK$3.74M · loan HK$33.62M · min. income ≈ HK$359,550/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,499 · Scale 2, in force from 26 Feb 2026)