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$84,894
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$87,535
−HK$2,683/mo
Today · 4.125%
HK$90,218
baseline
▲ 0.50% · 4.625%
HK$95,707
+HK$5,489/mo
Deposit HK$18.62M · loan HK$18.62M · min. income ≈ HK$180,436/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,582,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,444
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$96,977
−HK$2,569/mo
Today · 4.125%
HK$99,546
baseline
▲ 0.50% · 4.625%
HK$104,794
+HK$5,248/mo
Deposit HK$18.62M · loan HK$18.62M · min. income ≈ HK$199,092/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,582,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,873
−HK$6,388/mo
▼ 0.25% · 3.875%
HK$105,042
−HK$3,219/mo
Today · 4.125%
HK$108,261
baseline
▲ 0.50% · 4.625%
HK$114,849
+HK$6,588/mo
Deposit HK$14.89M · loan HK$22.34M · min. income ≈ HK$216,522/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,582,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,333
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$116,372
−HK$3,084/mo
Today · 4.125%
HK$119,456
baseline
▲ 0.50% · 4.625%
HK$125,752
+HK$6,296/mo
Deposit HK$14.89M · loan HK$22.34M · min. income ≈ HK$238,912/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,582,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,852
−HK$7,453/mo
▼ 0.25% · 3.875%
HK$122,549
−HK$3,756/mo
Today · 4.125%
HK$126,305
baseline
▲ 0.50% · 4.625%
HK$133,990
+HK$7,685/mo
Deposit HK$11.17M · loan HK$26.06M · min. income ≈ HK$252,610/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,582,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,222
−HK$7,143/mo
▼ 0.25% · 3.875%
HK$135,768
−HK$3,597/mo
Today · 4.125%
HK$139,365
baseline
▲ 0.50% · 4.625%
HK$146,711
+HK$7,346/mo
Deposit HK$11.17M · loan HK$26.06M · min. income ≈ HK$278,730/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,582,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,810
−HK$9,582/mo
▼ 0.25% · 3.875%
HK$157,563
−HK$4,829/mo
Today · 4.125%
HK$162,392
baseline
▲ 0.50% · 4.625%
HK$172,273
+HK$9,881/mo
Deposit HK$3.72M · loan HK$33.51M · min. income ≈ HK$324,784/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,582,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,999
−HK$9,185/mo
▼ 0.25% · 3.875%
HK$174,558
−HK$4,626/mo
Today · 4.125%
HK$179,184
baseline
▲ 0.50% · 4.625%
HK$188,629
+HK$9,445/mo
Deposit HK$3.72M · loan HK$33.51M · min. income ≈ HK$358,368/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,582,281 · Scale 2, in force from 26 Feb 2026)