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$85,162
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$87,811
−HK$2,691/mo
Today · 4.125%
HK$90,502
baseline
▲ 0.50% · 4.625%
HK$96,009
+HK$5,507/mo
Deposit HK$18.67M · loan HK$18.67M · min. income ≈ HK$181,004/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,587,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,742
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$97,283
−HK$2,577/mo
Today · 4.125%
HK$99,860
baseline
▲ 0.50% · 4.625%
HK$105,124
+HK$5,264/mo
Deposit HK$18.67M · loan HK$18.67M · min. income ≈ HK$199,720/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,587,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,194
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$105,373
−HK$3,230/mo
Today · 4.125%
HK$108,603
baseline
▲ 0.50% · 4.625%
HK$115,211
+HK$6,608/mo
Deposit HK$14.94M · loan HK$22.41M · min. income ≈ HK$217,206/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,587,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,690
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$116,739
−HK$3,093/mo
Today · 4.125%
HK$119,832
baseline
▲ 0.50% · 4.625%
HK$126,149
+HK$6,317/mo
Deposit HK$14.94M · loan HK$22.41M · min. income ≈ HK$239,664/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,587,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,227
−HK$7,476/mo
▼ 0.25% · 3.875%
HK$122,935
−HK$3,768/mo
Today · 4.125%
HK$126,703
baseline
▲ 0.50% · 4.625%
HK$134,413
+HK$7,710/mo
Deposit HK$11.20M · loan HK$26.14M · min. income ≈ HK$253,406/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,587,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,638
−HK$7,167/mo
▼ 0.25% · 3.875%
HK$136,196
−HK$3,609/mo
Today · 4.125%
HK$139,805
baseline
▲ 0.50% · 4.625%
HK$147,174
+HK$7,369/mo
Deposit HK$11.20M · loan HK$26.14M · min. income ≈ HK$279,610/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,587,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,291
−HK$9,613/mo
▼ 0.25% · 3.875%
HK$158,060
−HK$4,844/mo
Today · 4.125%
HK$162,904
baseline
▲ 0.50% · 4.625%
HK$172,817
+HK$9,913/mo
Deposit HK$3.73M · loan HK$33.61M · min. income ≈ HK$325,808/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,535
−HK$9,214/mo
▼ 0.25% · 3.875%
HK$175,109
−HK$4,640/mo
Today · 4.125%
HK$179,749
baseline
▲ 0.50% · 4.625%
HK$189,223
+HK$9,474/mo
Deposit HK$3.73M · loan HK$33.61M · min. income ≈ HK$359,498/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,270 · Scale 2, in force from 26 Feb 2026)