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$85,471
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$88,129
−HK$2,702/mo
Today · 4.125%
HK$90,831
baseline
▲ 0.50% · 4.625%
HK$96,357
+HK$5,526/mo
Deposit HK$18.74M · loan HK$18.74M · min. income ≈ HK$181,662/mo (50% DSR)
Upfront cash ≈ HK$20.33M (deposit + AVD stamp duty HK$1,593,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,085
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$97,635
−HK$2,587/mo
Today · 4.125%
HK$100,222
baseline
▲ 0.50% · 4.625%
HK$105,505
+HK$5,283/mo
Deposit HK$18.74M · loan HK$18.74M · min. income ≈ HK$200,444/mo (50% DSR)
Upfront cash ≈ HK$20.33M (deposit + AVD stamp duty HK$1,593,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,565
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$105,755
−HK$3,242/mo
Today · 4.125%
HK$108,997
baseline
▲ 0.50% · 4.625%
HK$115,629
+HK$6,632/mo
Deposit HK$14.99M · loan HK$22.49M · min. income ≈ HK$217,994/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,593,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,102
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$117,163
−HK$3,104/mo
Today · 4.125%
HK$120,267
baseline
▲ 0.50% · 4.625%
HK$126,606
+HK$6,339/mo
Deposit HK$14.99M · loan HK$22.49M · min. income ≈ HK$240,534/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,593,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,659
−HK$7,504/mo
▼ 0.25% · 3.875%
HK$123,381
−HK$3,782/mo
Today · 4.125%
HK$127,163
baseline
▲ 0.50% · 4.625%
HK$134,900
+HK$7,737/mo
Deposit HK$11.24M · loan HK$26.24M · min. income ≈ HK$254,326/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,593,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,119
−HK$7,192/mo
▼ 0.25% · 3.875%
HK$136,690
−HK$3,621/mo
Today · 4.125%
HK$140,311
baseline
▲ 0.50% · 4.625%
HK$147,708
+HK$7,397/mo
Deposit HK$11.24M · loan HK$26.24M · min. income ≈ HK$280,622/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,593,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,847
−HK$9,648/mo
▼ 0.25% · 3.875%
HK$158,633
−HK$4,862/mo
Today · 4.125%
HK$163,495
baseline
▲ 0.50% · 4.625%
HK$173,443
+HK$9,948/mo
Deposit HK$3.75M · loan HK$33.73M · min. income ≈ HK$326,990/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,593,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,154
−HK$9,246/mo
▼ 0.25% · 3.875%
HK$175,744
−HK$4,656/mo
Today · 4.125%
HK$180,400
baseline
▲ 0.50% · 4.625%
HK$189,910
+HK$9,510/mo
Deposit HK$3.75M · loan HK$33.73M · min. income ≈ HK$360,800/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,593,026 · Scale 2, in force from 26 Feb 2026)