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$85,195
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$87,845
−HK$2,693/mo
Today · 4.125%
HK$90,538
baseline
▲ 0.50% · 4.625%
HK$96,047
+HK$5,509/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$181,076/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,587,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,779
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$97,321
−HK$2,579/mo
Today · 4.125%
HK$99,900
baseline
▲ 0.50% · 4.625%
HK$105,165
+HK$5,265/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$199,800/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,587,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,234
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$105,414
−HK$3,231/mo
Today · 4.125%
HK$108,645
baseline
▲ 0.50% · 4.625%
HK$115,256
+HK$6,611/mo
Deposit HK$14.94M · loan HK$22.42M · min. income ≈ HK$217,290/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,587,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,735
−HK$6,144/mo
▼ 0.25% · 3.875%
HK$116,785
−HK$3,094/mo
Today · 4.125%
HK$119,879
baseline
▲ 0.50% · 4.625%
HK$126,198
+HK$6,319/mo
Deposit HK$14.94M · loan HK$22.42M · min. income ≈ HK$239,758/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,587,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,273
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$122,984
−HK$3,769/mo
Today · 4.125%
HK$126,753
baseline
▲ 0.50% · 4.625%
HK$134,466
+HK$7,713/mo
Deposit HK$11.21M · loan HK$26.15M · min. income ≈ HK$253,506/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,587,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,691
−HK$7,168/mo
▼ 0.25% · 3.875%
HK$136,249
−HK$3,610/mo
Today · 4.125%
HK$139,859
baseline
▲ 0.50% · 4.625%
HK$147,232
+HK$7,373/mo
Deposit HK$11.21M · loan HK$26.15M · min. income ≈ HK$279,718/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,587,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,352
−HK$9,616/mo
▼ 0.25% · 3.875%
HK$158,122
−HK$4,846/mo
Today · 4.125%
HK$162,968
baseline
▲ 0.50% · 4.625%
HK$172,884
+HK$9,916/mo
Deposit HK$3.74M · loan HK$33.63M · min. income ≈ HK$325,936/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,602
−HK$9,217/mo
▼ 0.25% · 3.875%
HK$175,178
−HK$4,641/mo
Today · 4.125%
HK$179,819
baseline
▲ 0.50% · 4.625%
HK$189,298
+HK$9,479/mo
Deposit HK$3.74M · loan HK$33.63M · min. income ≈ HK$359,638/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,892 · Scale 2, in force from 26 Feb 2026)