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$85,179
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$87,828
−HK$2,692/mo
Today · 4.125%
HK$90,520
baseline
▲ 0.50% · 4.625%
HK$96,028
+HK$5,508/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$181,040/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,587,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,760
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$97,302
−HK$2,578/mo
Today · 4.125%
HK$99,880
baseline
▲ 0.50% · 4.625%
HK$105,145
+HK$5,265/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$199,760/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,587,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,214
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$105,394
−HK$3,230/mo
Today · 4.125%
HK$108,624
baseline
▲ 0.50% · 4.625%
HK$115,234
+HK$6,610/mo
Deposit HK$14.94M · loan HK$22.41M · min. income ≈ HK$217,248/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,587,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,712
−HK$6,144/mo
▼ 0.25% · 3.875%
HK$116,762
−HK$3,094/mo
Today · 4.125%
HK$119,856
baseline
▲ 0.50% · 4.625%
HK$126,174
+HK$6,318/mo
Deposit HK$14.94M · loan HK$22.41M · min. income ≈ HK$239,712/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,587,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,250
−HK$7,478/mo
▼ 0.25% · 3.875%
HK$122,959
−HK$3,769/mo
Today · 4.125%
HK$126,728
baseline
▲ 0.50% · 4.625%
HK$134,439
+HK$7,711/mo
Deposit HK$11.21M · loan HK$26.15M · min. income ≈ HK$253,456/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,587,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,665
−HK$7,167/mo
▼ 0.25% · 3.875%
HK$136,223
−HK$3,609/mo
Today · 4.125%
HK$139,832
baseline
▲ 0.50% · 4.625%
HK$147,203
+HK$7,371/mo
Deposit HK$11.21M · loan HK$26.15M · min. income ≈ HK$279,664/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,587,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,322
−HK$9,614/mo
▼ 0.25% · 3.875%
HK$158,091
−HK$4,845/mo
Today · 4.125%
HK$162,936
baseline
▲ 0.50% · 4.625%
HK$172,850
+HK$9,914/mo
Deposit HK$3.74M · loan HK$33.62M · min. income ≈ HK$325,872/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,569
−HK$9,215/mo
▼ 0.25% · 3.875%
HK$175,143
−HK$4,641/mo
Today · 4.125%
HK$179,784
baseline
▲ 0.50% · 4.625%
HK$189,261
+HK$9,477/mo
Deposit HK$3.74M · loan HK$33.62M · min. income ≈ HK$359,568/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,582 · Scale 2, in force from 26 Feb 2026)