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$85,014
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$87,658
−HK$2,687/mo
Today · 4.125%
HK$90,345
baseline
▲ 0.50% · 4.625%
HK$95,842
+HK$5,497/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$180,690/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$1,584,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,577
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,114
−HK$2,573/mo
Today · 4.125%
HK$99,687
baseline
▲ 0.50% · 4.625%
HK$104,942
+HK$5,255/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$199,374/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$1,584,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,017
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$105,190
−HK$3,224/mo
Today · 4.125%
HK$108,414
baseline
▲ 0.50% · 4.625%
HK$115,011
+HK$6,597/mo
Deposit HK$14.91M · loan HK$22.37M · min. income ≈ HK$216,828/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,584,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,493
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$116,536
−HK$3,088/mo
Today · 4.125%
HK$119,624
baseline
▲ 0.50% · 4.625%
HK$125,930
+HK$6,306/mo
Deposit HK$14.91M · loan HK$22.37M · min. income ≈ HK$239,248/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,584,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,020
−HK$7,463/mo
▼ 0.25% · 3.875%
HK$122,722
−HK$3,761/mo
Today · 4.125%
HK$126,483
baseline
▲ 0.50% · 4.625%
HK$134,179
+HK$7,696/mo
Deposit HK$11.18M · loan HK$26.10M · min. income ≈ HK$252,966/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,408
−HK$7,154/mo
▼ 0.25% · 3.875%
HK$135,959
−HK$3,603/mo
Today · 4.125%
HK$139,562
baseline
▲ 0.50% · 4.625%
HK$146,918
+HK$7,356/mo
Deposit HK$11.18M · loan HK$26.10M · min. income ≈ HK$279,124/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,025
−HK$9,596/mo
▼ 0.25% · 3.875%
HK$157,785
−HK$4,836/mo
Today · 4.125%
HK$162,621
baseline
▲ 0.50% · 4.625%
HK$172,516
+HK$9,895/mo
Deposit HK$3.73M · loan HK$33.55M · min. income ≈ HK$325,242/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,239
−HK$9,197/mo
▼ 0.25% · 3.875%
HK$174,805
−HK$4,631/mo
Today · 4.125%
HK$179,436
baseline
▲ 0.50% · 4.625%
HK$188,895
+HK$9,459/mo
Deposit HK$3.73M · loan HK$33.55M · min. income ≈ HK$358,872/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,513 · Scale 2, in force from 26 Feb 2026)