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$85,201
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$87,851
−HK$2,693/mo
Today · 4.125%
HK$90,544
baseline
▲ 0.50% · 4.625%
HK$96,053
+HK$5,509/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$181,088/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,587,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,785
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$97,327
−HK$2,579/mo
Today · 4.125%
HK$99,906
baseline
▲ 0.50% · 4.625%
HK$105,172
+HK$5,266/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$199,812/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,587,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,241
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$105,421
−HK$3,231/mo
Today · 4.125%
HK$108,652
baseline
▲ 0.50% · 4.625%
HK$115,264
+HK$6,612/mo
Deposit HK$14.95M · loan HK$22.42M · min. income ≈ HK$217,304/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,587,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,742
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$116,793
−HK$3,094/mo
Today · 4.125%
HK$119,887
baseline
▲ 0.50% · 4.625%
HK$126,207
+HK$6,320/mo
Deposit HK$14.95M · loan HK$22.42M · min. income ≈ HK$239,774/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,587,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,281
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$122,991
−HK$3,770/mo
Today · 4.125%
HK$126,761
baseline
▲ 0.50% · 4.625%
HK$134,474
+HK$7,713/mo
Deposit HK$11.21M · loan HK$26.16M · min. income ≈ HK$253,522/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,587,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,699
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$136,258
−HK$3,610/mo
Today · 4.125%
HK$139,868
baseline
▲ 0.50% · 4.625%
HK$147,241
+HK$7,373/mo
Deposit HK$11.21M · loan HK$26.16M · min. income ≈ HK$279,736/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,587,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,361
−HK$9,618/mo
▼ 0.25% · 3.875%
HK$158,132
−HK$4,847/mo
Today · 4.125%
HK$162,979
baseline
▲ 0.50% · 4.625%
HK$172,895
+HK$9,916/mo
Deposit HK$3.74M · loan HK$33.63M · min. income ≈ HK$325,958/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,613
−HK$9,218/mo
▼ 0.25% · 3.875%
HK$175,189
−HK$4,642/mo
Today · 4.125%
HK$179,831
baseline
▲ 0.50% · 4.625%
HK$189,310
+HK$9,479/mo
Deposit HK$3.74M · loan HK$33.63M · min. income ≈ HK$359,662/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,995 · Scale 2, in force from 26 Feb 2026)