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$85,202
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$87,853
−HK$2,692/mo
Today · 4.125%
HK$90,545
baseline
▲ 0.50% · 4.625%
HK$96,055
+HK$5,510/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$181,090/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,588,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,787
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$97,329
−HK$2,579/mo
Today · 4.125%
HK$99,908
baseline
▲ 0.50% · 4.625%
HK$105,174
+HK$5,266/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$199,816/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,588,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,243
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$105,423
−HK$3,231/mo
Today · 4.125%
HK$108,654
baseline
▲ 0.50% · 4.625%
HK$115,266
+HK$6,612/mo
Deposit HK$14.95M · loan HK$22.42M · min. income ≈ HK$217,308/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,588,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,744
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$116,795
−HK$3,094/mo
Today · 4.125%
HK$119,889
baseline
▲ 0.50% · 4.625%
HK$126,209
+HK$6,320/mo
Deposit HK$14.95M · loan HK$22.42M · min. income ≈ HK$239,778/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,588,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,283
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$122,994
−HK$3,769/mo
Today · 4.125%
HK$126,763
baseline
▲ 0.50% · 4.625%
HK$134,477
+HK$7,714/mo
Deposit HK$11.21M · loan HK$26.16M · min. income ≈ HK$253,526/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,588,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,701
−HK$7,170/mo
▼ 0.25% · 3.875%
HK$136,260
−HK$3,611/mo
Today · 4.125%
HK$139,871
baseline
▲ 0.50% · 4.625%
HK$147,244
+HK$7,373/mo
Deposit HK$11.21M · loan HK$26.16M · min. income ≈ HK$279,742/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,588,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,364
−HK$9,617/mo
▼ 0.25% · 3.875%
HK$158,135
−HK$4,846/mo
Today · 4.125%
HK$162,981
baseline
▲ 0.50% · 4.625%
HK$172,899
+HK$9,918/mo
Deposit HK$3.74M · loan HK$33.63M · min. income ≈ HK$325,962/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,588,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,616
−HK$9,218/mo
▼ 0.25% · 3.875%
HK$175,192
−HK$4,642/mo
Today · 4.125%
HK$179,834
baseline
▲ 0.50% · 4.625%
HK$189,313
+HK$9,479/mo
Deposit HK$3.74M · loan HK$33.63M · min. income ≈ HK$359,668/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,588,023 · Scale 2, in force from 26 Feb 2026)