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$85,088
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$87,735
−HK$2,689/mo
Today · 4.125%
HK$90,424
baseline
▲ 0.50% · 4.625%
HK$95,926
+HK$5,502/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$180,848/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,585,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,660
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$97,198
−HK$2,576/mo
Today · 4.125%
HK$99,774
baseline
▲ 0.50% · 4.625%
HK$105,033
+HK$5,259/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$199,548/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,585,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,106
−HK$6,403/mo
▼ 0.25% · 3.875%
HK$105,282
−HK$3,227/mo
Today · 4.125%
HK$108,509
baseline
▲ 0.50% · 4.625%
HK$115,111
+HK$6,602/mo
Deposit HK$14.93M · loan HK$22.39M · min. income ≈ HK$217,018/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,585,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,591
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$116,638
−HK$3,090/mo
Today · 4.125%
HK$119,728
baseline
▲ 0.50% · 4.625%
HK$126,040
+HK$6,312/mo
Deposit HK$14.93M · loan HK$22.39M · min. income ≈ HK$239,456/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,585,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,123
−HK$7,470/mo
▼ 0.25% · 3.875%
HK$122,829
−HK$3,764/mo
Today · 4.125%
HK$126,593
baseline
▲ 0.50% · 4.625%
HK$134,296
+HK$7,703/mo
Deposit HK$11.19M · loan HK$26.12M · min. income ≈ HK$253,186/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,585,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,523
−HK$7,160/mo
▼ 0.25% · 3.875%
HK$136,078
−HK$3,605/mo
Today · 4.125%
HK$139,683
baseline
▲ 0.50% · 4.625%
HK$147,046
+HK$7,363/mo
Deposit HK$11.19M · loan HK$26.12M · min. income ≈ HK$279,366/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,585,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,158
−HK$9,605/mo
▼ 0.25% · 3.875%
HK$157,922
−HK$4,841/mo
Today · 4.125%
HK$162,763
baseline
▲ 0.50% · 4.625%
HK$172,667
+HK$9,904/mo
Deposit HK$3.73M · loan HK$33.58M · min. income ≈ HK$325,526/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,585,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,387
−HK$9,206/mo
▼ 0.25% · 3.875%
HK$174,957
−HK$4,636/mo
Today · 4.125%
HK$179,593
baseline
▲ 0.50% · 4.625%
HK$189,059
+HK$9,466/mo
Deposit HK$3.73M · loan HK$33.58M · min. income ≈ HK$359,186/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,585,892 · Scale 2, in force from 26 Feb 2026)