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$85,111
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$87,759
−HK$2,690/mo
Today · 4.125%
HK$90,449
baseline
▲ 0.50% · 4.625%
HK$95,952
+HK$5,503/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$180,898/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,586,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,686
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$97,225
−HK$2,576/mo
Today · 4.125%
HK$99,801
baseline
▲ 0.50% · 4.625%
HK$105,062
+HK$5,261/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$199,602/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,586,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,134
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$105,311
−HK$3,227/mo
Today · 4.125%
HK$108,538
baseline
▲ 0.50% · 4.625%
HK$115,143
+HK$6,605/mo
Deposit HK$14.93M · loan HK$22.40M · min. income ≈ HK$217,076/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,586,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,623
−HK$6,138/mo
▼ 0.25% · 3.875%
HK$116,670
−HK$3,091/mo
Today · 4.125%
HK$119,761
baseline
▲ 0.50% · 4.625%
HK$126,074
+HK$6,313/mo
Deposit HK$14.93M · loan HK$22.40M · min. income ≈ HK$239,522/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,586,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,156
−HK$7,472/mo
▼ 0.25% · 3.875%
HK$122,862
−HK$3,766/mo
Today · 4.125%
HK$126,628
baseline
▲ 0.50% · 4.625%
HK$134,333
+HK$7,705/mo
Deposit HK$11.20M · loan HK$26.13M · min. income ≈ HK$253,256/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,586,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,560
−HK$7,162/mo
▼ 0.25% · 3.875%
HK$136,115
−HK$3,607/mo
Today · 4.125%
HK$139,722
baseline
▲ 0.50% · 4.625%
HK$147,087
+HK$7,365/mo
Deposit HK$11.20M · loan HK$26.13M · min. income ≈ HK$279,444/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,586,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,201
−HK$9,607/mo
▼ 0.25% · 3.875%
HK$157,966
−HK$4,842/mo
Today · 4.125%
HK$162,808
baseline
▲ 0.50% · 4.625%
HK$172,714
+HK$9,906/mo
Deposit HK$3.73M · loan HK$33.59M · min. income ≈ HK$325,616/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,434
−HK$9,208/mo
▼ 0.25% · 3.875%
HK$175,005
−HK$4,637/mo
Today · 4.125%
HK$179,642
baseline
▲ 0.50% · 4.625%
HK$189,111
+HK$9,469/mo
Deposit HK$3.73M · loan HK$33.59M · min. income ≈ HK$359,284/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,329 · Scale 2, in force from 26 Feb 2026)