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$85,319
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$87,972
−HK$2,697/mo
Today · 4.125%
HK$90,669
baseline
▲ 0.50% · 4.625%
HK$96,186
+HK$5,517/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$181,338/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,916
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,462
−HK$2,582/mo
Today · 4.125%
HK$100,044
baseline
▲ 0.50% · 4.625%
HK$105,318
+HK$5,274/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$200,088/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,382
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$105,567
−HK$3,236/mo
Today · 4.125%
HK$108,803
baseline
▲ 0.50% · 4.625%
HK$115,423
+HK$6,620/mo
Deposit HK$14.97M · loan HK$22.45M · min. income ≈ HK$217,606/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,899
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$116,954
−HK$3,099/mo
Today · 4.125%
HK$120,053
baseline
▲ 0.50% · 4.625%
HK$126,381
+HK$6,328/mo
Deposit HK$14.97M · loan HK$22.45M · min. income ≈ HK$240,106/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,446
−HK$7,490/mo
▼ 0.25% · 3.875%
HK$123,161
−HK$3,775/mo
Today · 4.125%
HK$126,936
baseline
▲ 0.50% · 4.625%
HK$134,660
+HK$7,724/mo
Deposit HK$11.22M · loan HK$26.19M · min. income ≈ HK$253,872/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,882
−HK$7,180/mo
▼ 0.25% · 3.875%
HK$136,446
−HK$3,616/mo
Today · 4.125%
HK$140,062
baseline
▲ 0.50% · 4.625%
HK$147,445
+HK$7,383/mo
Deposit HK$11.22M · loan HK$26.19M · min. income ≈ HK$280,124/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,573
−HK$9,631/mo
▼ 0.25% · 3.875%
HK$158,350
−HK$4,854/mo
Today · 4.125%
HK$163,204
baseline
▲ 0.50% · 4.625%
HK$173,134
+HK$9,930/mo
Deposit HK$3.74M · loan HK$33.67M · min. income ≈ HK$326,408/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,849
−HK$9,230/mo
▼ 0.25% · 3.875%
HK$175,431
−HK$4,648/mo
Today · 4.125%
HK$180,079
baseline
▲ 0.50% · 4.625%
HK$189,572
+HK$9,493/mo
Deposit HK$3.74M · loan HK$33.67M · min. income ≈ HK$360,158/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,190 · Scale 2, in force from 26 Feb 2026)