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$85,249
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$87,901
−HK$2,694/mo
Today · 4.125%
HK$90,595
baseline
▲ 0.50% · 4.625%
HK$96,107
+HK$5,512/mo
Deposit HK$18.69M · loan HK$18.69M · min. income ≈ HK$181,190/mo (50% DSR)
Upfront cash ≈ HK$20.28M (deposit + AVD stamp duty HK$1,588,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,839
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$97,382
−HK$2,581/mo
Today · 4.125%
HK$99,963
baseline
▲ 0.50% · 4.625%
HK$105,232
+HK$5,269/mo
Deposit HK$18.69M · loan HK$18.69M · min. income ≈ HK$199,926/mo (50% DSR)
Upfront cash ≈ HK$20.28M (deposit + AVD stamp duty HK$1,588,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,299
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$105,481
−HK$3,233/mo
Today · 4.125%
HK$108,714
baseline
▲ 0.50% · 4.625%
HK$115,329
+HK$6,615/mo
Deposit HK$14.95M · loan HK$22.43M · min. income ≈ HK$217,428/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,588,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,806
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$116,859
−HK$3,096/mo
Today · 4.125%
HK$119,955
baseline
▲ 0.50% · 4.625%
HK$126,278
+HK$6,323/mo
Deposit HK$14.95M · loan HK$22.43M · min. income ≈ HK$239,910/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,588,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,349
−HK$7,484/mo
▼ 0.25% · 3.875%
HK$123,061
−HK$3,772/mo
Today · 4.125%
HK$126,833
baseline
▲ 0.50% · 4.625%
HK$134,550
+HK$7,717/mo
Deposit HK$11.22M · loan HK$26.17M · min. income ≈ HK$253,666/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,588,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,774
−HK$7,174/mo
▼ 0.25% · 3.875%
HK$136,335
−HK$3,613/mo
Today · 4.125%
HK$139,948
baseline
▲ 0.50% · 4.625%
HK$147,324
+HK$7,376/mo
Deposit HK$11.22M · loan HK$26.17M · min. income ≈ HK$279,896/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,588,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,448
−HK$9,623/mo
▼ 0.25% · 3.875%
HK$158,221
−HK$4,850/mo
Today · 4.125%
HK$163,071
baseline
▲ 0.50% · 4.625%
HK$172,993
+HK$9,922/mo
Deposit HK$3.74M · loan HK$33.65M · min. income ≈ HK$326,142/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,588,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,710
−HK$9,223/mo
▼ 0.25% · 3.875%
HK$175,288
−HK$4,645/mo
Today · 4.125%
HK$179,933
baseline
▲ 0.50% · 4.625%
HK$189,417
+HK$9,484/mo
Deposit HK$3.74M · loan HK$33.65M · min. income ≈ HK$359,866/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,588,894 · Scale 2, in force from 26 Feb 2026)