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$84,731
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$87,366
−HK$2,678/mo
Today · 4.125%
HK$90,044
baseline
▲ 0.50% · 4.625%
HK$95,523
+HK$5,479/mo
Deposit HK$18.58M · loan HK$18.58M · min. income ≈ HK$180,088/mo (50% DSR)
Upfront cash ≈ HK$20.16M (deposit + AVD stamp duty HK$1,579,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,262
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,790
−HK$2,565/mo
Today · 4.125%
HK$99,355
baseline
▲ 0.50% · 4.625%
HK$104,592
+HK$5,237/mo
Deposit HK$18.58M · loan HK$18.58M · min. income ≈ HK$198,710/mo (50% DSR)
Upfront cash ≈ HK$20.16M (deposit + AVD stamp duty HK$1,579,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,677
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$104,839
−HK$3,214/mo
Today · 4.125%
HK$108,053
baseline
▲ 0.50% · 4.625%
HK$114,627
+HK$6,574/mo
Deposit HK$14.86M · loan HK$22.30M · min. income ≈ HK$216,106/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,579,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,114
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$116,148
−HK$3,077/mo
Today · 4.125%
HK$119,225
baseline
▲ 0.50% · 4.625%
HK$125,510
+HK$6,285/mo
Deposit HK$14.86M · loan HK$22.30M · min. income ≈ HK$238,450/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,579,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,623
−HK$7,438/mo
▼ 0.25% · 3.875%
HK$122,313
−HK$3,748/mo
Today · 4.125%
HK$126,061
baseline
▲ 0.50% · 4.625%
HK$133,732
+HK$7,671/mo
Deposit HK$11.15M · loan HK$26.01M · min. income ≈ HK$252,122/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,579,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,967
−HK$7,129/mo
▼ 0.25% · 3.875%
HK$135,506
−HK$3,590/mo
Today · 4.125%
HK$139,096
baseline
▲ 0.50% · 4.625%
HK$146,428
+HK$7,332/mo
Deposit HK$11.15M · loan HK$26.01M · min. income ≈ HK$278,192/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,579,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,515
−HK$9,564/mo
▼ 0.25% · 3.875%
HK$157,259
−HK$4,820/mo
Today · 4.125%
HK$162,079
baseline
▲ 0.50% · 4.625%
HK$171,941
+HK$9,862/mo
Deposit HK$3.72M · loan HK$33.44M · min. income ≈ HK$324,158/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,579,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,671
−HK$9,167/mo
▼ 0.25% · 3.875%
HK$174,222
−HK$4,616/mo
Today · 4.125%
HK$178,838
baseline
▲ 0.50% · 4.625%
HK$188,265
+HK$9,427/mo
Deposit HK$3.72M · loan HK$33.44M · min. income ≈ HK$357,676/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,579,230 · Scale 2, in force from 26 Feb 2026)