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$84,835
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$87,474
−HK$2,681/mo
Today · 4.125%
HK$90,155
baseline
▲ 0.50% · 4.625%
HK$95,640
+HK$5,485/mo
Deposit HK$18.60M · loan HK$18.60M · min. income ≈ HK$180,310/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,581,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,378
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$96,909
−HK$2,568/mo
Today · 4.125%
HK$99,477
baseline
▲ 0.50% · 4.625%
HK$104,720
+HK$5,243/mo
Deposit HK$18.60M · loan HK$18.60M · min. income ≈ HK$198,954/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,581,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,802
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$104,968
−HK$3,218/mo
Today · 4.125%
HK$108,186
baseline
▲ 0.50% · 4.625%
HK$114,768
+HK$6,582/mo
Deposit HK$14.88M · loan HK$22.32M · min. income ≈ HK$216,372/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,581,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,253
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$116,291
−HK$3,081/mo
Today · 4.125%
HK$119,372
baseline
▲ 0.50% · 4.625%
HK$125,664
+HK$6,292/mo
Deposit HK$14.88M · loan HK$22.32M · min. income ≈ HK$238,744/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,581,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,769
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$122,463
−HK$3,753/mo
Today · 4.125%
HK$126,216
baseline
▲ 0.50% · 4.625%
HK$133,896
+HK$7,680/mo
Deposit HK$11.16M · loan HK$26.04M · min. income ≈ HK$252,432/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,581,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,129
−HK$7,138/mo
▼ 0.25% · 3.875%
HK$135,673
−HK$3,594/mo
Today · 4.125%
HK$139,267
baseline
▲ 0.50% · 4.625%
HK$146,608
+HK$7,341/mo
Deposit HK$11.16M · loan HK$26.04M · min. income ≈ HK$278,534/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,581,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,703
−HK$9,575/mo
▼ 0.25% · 3.875%
HK$157,452
−HK$4,826/mo
Today · 4.125%
HK$162,278
baseline
▲ 0.50% · 4.625%
HK$172,153
+HK$9,875/mo
Deposit HK$3.72M · loan HK$33.48M · min. income ≈ HK$324,556/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,581,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,880
−HK$9,178/mo
▼ 0.25% · 3.875%
HK$174,436
−HK$4,622/mo
Today · 4.125%
HK$179,058
baseline
▲ 0.50% · 4.625%
HK$188,497
+HK$9,439/mo
Deposit HK$3.72M · loan HK$33.48M · min. income ≈ HK$358,116/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,581,172 · Scale 2, in force from 26 Feb 2026)