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$84,985
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$87,629
−HK$2,685/mo
Today · 4.125%
HK$90,314
baseline
▲ 0.50% · 4.625%
HK$95,810
+HK$5,496/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$180,628/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,583,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,545
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$97,081
−HK$2,572/mo
Today · 4.125%
HK$99,653
baseline
▲ 0.50% · 4.625%
HK$104,906
+HK$5,253/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$199,306/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,583,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,982
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$105,154
−HK$3,223/mo
Today · 4.125%
HK$108,377
baseline
▲ 0.50% · 4.625%
HK$114,972
+HK$6,595/mo
Deposit HK$14.91M · loan HK$22.36M · min. income ≈ HK$216,754/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,454
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$116,497
−HK$3,087/mo
Today · 4.125%
HK$119,584
baseline
▲ 0.50% · 4.625%
HK$125,887
+HK$6,303/mo
Deposit HK$14.91M · loan HK$22.36M · min. income ≈ HK$239,168/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,979
−HK$7,461/mo
▼ 0.25% · 3.875%
HK$122,680
−HK$3,760/mo
Today · 4.125%
HK$126,440
baseline
▲ 0.50% · 4.625%
HK$134,134
+HK$7,694/mo
Deposit HK$11.18M · loan HK$26.09M · min. income ≈ HK$252,880/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,363
−HK$7,151/mo
▼ 0.25% · 3.875%
HK$135,913
−HK$3,601/mo
Today · 4.125%
HK$139,514
baseline
▲ 0.50% · 4.625%
HK$146,868
+HK$7,354/mo
Deposit HK$11.18M · loan HK$26.09M · min. income ≈ HK$279,028/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,973
−HK$9,593/mo
▼ 0.25% · 3.875%
HK$157,732
−HK$4,834/mo
Today · 4.125%
HK$162,566
baseline
▲ 0.50% · 4.625%
HK$172,458
+HK$9,892/mo
Deposit HK$3.73M · loan HK$33.54M · min. income ≈ HK$325,132/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,181
−HK$9,195/mo
▼ 0.25% · 3.875%
HK$174,745
−HK$4,631/mo
Today · 4.125%
HK$179,376
baseline
▲ 0.50% · 4.625%
HK$188,831
+HK$9,455/mo
Deposit HK$3.73M · loan HK$33.54M · min. income ≈ HK$358,752/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,976 · Scale 2, in force from 26 Feb 2026)