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$84,883
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$87,523
−HK$2,683/mo
Today · 4.125%
HK$90,206
baseline
▲ 0.50% · 4.625%
HK$95,694
+HK$5,488/mo
Deposit HK$18.61M · loan HK$18.61M · min. income ≈ HK$180,412/mo (50% DSR)
Upfront cash ≈ HK$20.19M (deposit + AVD stamp duty HK$1,582,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,431
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$96,964
−HK$2,569/mo
Today · 4.125%
HK$99,533
baseline
▲ 0.50% · 4.625%
HK$104,780
+HK$5,247/mo
Deposit HK$18.61M · loan HK$18.61M · min. income ≈ HK$199,066/mo (50% DSR)
Upfront cash ≈ HK$20.19M (deposit + AVD stamp duty HK$1,582,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,859
−HK$6,388/mo
▼ 0.25% · 3.875%
HK$105,028
−HK$3,219/mo
Today · 4.125%
HK$108,247
baseline
▲ 0.50% · 4.625%
HK$114,833
+HK$6,586/mo
Deposit HK$14.89M · loan HK$22.34M · min. income ≈ HK$216,494/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,582,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,317
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$116,357
−HK$3,083/mo
Today · 4.125%
HK$119,440
baseline
▲ 0.50% · 4.625%
HK$125,735
+HK$6,295/mo
Deposit HK$14.89M · loan HK$22.34M · min. income ≈ HK$238,880/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,582,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,836
−HK$7,452/mo
▼ 0.25% · 3.875%
HK$122,532
−HK$3,756/mo
Today · 4.125%
HK$126,288
baseline
▲ 0.50% · 4.625%
HK$133,972
+HK$7,684/mo
Deposit HK$11.17M · loan HK$26.06M · min. income ≈ HK$252,576/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,582,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,204
−HK$7,142/mo
▼ 0.25% · 3.875%
HK$135,749
−HK$3,597/mo
Today · 4.125%
HK$139,346
baseline
▲ 0.50% · 4.625%
HK$146,691
+HK$7,345/mo
Deposit HK$11.17M · loan HK$26.06M · min. income ≈ HK$278,692/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,582,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,789
−HK$9,581/mo
▼ 0.25% · 3.875%
HK$157,542
−HK$4,828/mo
Today · 4.125%
HK$162,370
baseline
▲ 0.50% · 4.625%
HK$172,250
+HK$9,880/mo
Deposit HK$3.72M · loan HK$33.50M · min. income ≈ HK$324,740/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,582,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,976
−HK$9,183/mo
▼ 0.25% · 3.875%
HK$174,535
−HK$4,624/mo
Today · 4.125%
HK$179,159
baseline
▲ 0.50% · 4.625%
HK$188,603
+HK$9,444/mo
Deposit HK$3.72M · loan HK$33.50M · min. income ≈ HK$358,318/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,582,067 · Scale 2, in force from 26 Feb 2026)