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$85,373
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$88,028
−HK$2,698/mo
Today · 4.125%
HK$90,726
baseline
▲ 0.50% · 4.625%
HK$96,247
+HK$5,521/mo
Deposit HK$18.72M · loan HK$18.72M · min. income ≈ HK$181,452/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,591,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,976
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$97,523
−HK$2,584/mo
Today · 4.125%
HK$100,107
baseline
▲ 0.50% · 4.625%
HK$105,384
+HK$5,277/mo
Deposit HK$18.72M · loan HK$18.72M · min. income ≈ HK$200,214/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,591,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,447
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$105,634
−HK$3,237/mo
Today · 4.125%
HK$108,871
baseline
▲ 0.50% · 4.625%
HK$115,496
+HK$6,625/mo
Deposit HK$14.98M · loan HK$22.46M · min. income ≈ HK$217,742/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,591,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,971
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$117,028
−HK$3,101/mo
Today · 4.125%
HK$120,129
baseline
▲ 0.50% · 4.625%
HK$126,461
+HK$6,332/mo
Deposit HK$14.98M · loan HK$22.46M · min. income ≈ HK$240,258/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,591,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,522
−HK$7,495/mo
▼ 0.25% · 3.875%
HK$123,239
−HK$3,778/mo
Today · 4.125%
HK$127,017
baseline
▲ 0.50% · 4.625%
HK$134,745
+HK$7,728/mo
Deposit HK$11.23M · loan HK$26.21M · min. income ≈ HK$254,034/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,591,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,967
−HK$7,183/mo
▼ 0.25% · 3.875%
HK$136,533
−HK$3,617/mo
Today · 4.125%
HK$140,150
baseline
▲ 0.50% · 4.625%
HK$147,538
+HK$7,388/mo
Deposit HK$11.23M · loan HK$26.21M · min. income ≈ HK$280,300/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,591,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,671
−HK$9,636/mo
▼ 0.25% · 3.875%
HK$158,451
−HK$4,856/mo
Today · 4.125%
HK$163,307
baseline
▲ 0.50% · 4.625%
HK$173,244
+HK$9,937/mo
Deposit HK$3.74M · loan HK$33.70M · min. income ≈ HK$326,614/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,591,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,957
−HK$9,236/mo
▼ 0.25% · 3.875%
HK$175,542
−HK$4,651/mo
Today · 4.125%
HK$180,193
baseline
▲ 0.50% · 4.625%
HK$189,692
+HK$9,499/mo
Deposit HK$3.74M · loan HK$33.70M · min. income ≈ HK$360,386/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,591,197 · Scale 2, in force from 26 Feb 2026)