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$85,327
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$87,981
−HK$2,696/mo
Today · 4.125%
HK$90,677
baseline
▲ 0.50% · 4.625%
HK$96,195
+HK$5,518/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$181,354/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,925
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$97,471
−HK$2,583/mo
Today · 4.125%
HK$100,054
baseline
▲ 0.50% · 4.625%
HK$105,328
+HK$5,274/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$200,108/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,392
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$105,577
−HK$3,236/mo
Today · 4.125%
HK$108,813
baseline
▲ 0.50% · 4.625%
HK$115,434
+HK$6,621/mo
Deposit HK$14.97M · loan HK$22.45M · min. income ≈ HK$217,626/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,910
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$116,965
−HK$3,099/mo
Today · 4.125%
HK$120,064
baseline
▲ 0.50% · 4.625%
HK$126,393
+HK$6,329/mo
Deposit HK$14.97M · loan HK$22.45M · min. income ≈ HK$240,128/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,457
−HK$7,491/mo
▼ 0.25% · 3.875%
HK$123,173
−HK$3,775/mo
Today · 4.125%
HK$126,948
baseline
▲ 0.50% · 4.625%
HK$134,673
+HK$7,725/mo
Deposit HK$11.23M · loan HK$26.19M · min. income ≈ HK$253,896/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,895
−HK$7,180/mo
▼ 0.25% · 3.875%
HK$136,459
−HK$3,616/mo
Today · 4.125%
HK$140,075
baseline
▲ 0.50% · 4.625%
HK$147,459
+HK$7,384/mo
Deposit HK$11.23M · loan HK$26.19M · min. income ≈ HK$280,150/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,588
−HK$9,631/mo
▼ 0.25% · 3.875%
HK$158,365
−HK$4,854/mo
Today · 4.125%
HK$163,219
baseline
▲ 0.50% · 4.625%
HK$173,151
+HK$9,932/mo
Deposit HK$3.74M · loan HK$33.68M · min. income ≈ HK$326,438/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,865
−HK$9,231/mo
▼ 0.25% · 3.875%
HK$175,448
−HK$4,648/mo
Today · 4.125%
HK$180,096
baseline
▲ 0.50% · 4.625%
HK$189,590
+HK$9,494/mo
Deposit HK$3.74M · loan HK$33.68M · min. income ≈ HK$360,192/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,341 · Scale 2, in force from 26 Feb 2026)