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$85,304
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$87,958
−HK$2,696/mo
Today · 4.125%
HK$90,654
baseline
▲ 0.50% · 4.625%
HK$96,170
+HK$5,516/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$181,308/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,900
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$97,445
−HK$2,582/mo
Today · 4.125%
HK$100,027
baseline
▲ 0.50% · 4.625%
HK$105,300
+HK$5,273/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$200,054/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,365
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$105,549
−HK$3,235/mo
Today · 4.125%
HK$108,784
baseline
▲ 0.50% · 4.625%
HK$115,404
+HK$6,620/mo
Deposit HK$14.96M · loan HK$22.45M · min. income ≈ HK$217,568/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,880
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$116,934
−HK$3,099/mo
Today · 4.125%
HK$120,033
baseline
▲ 0.50% · 4.625%
HK$126,360
+HK$6,327/mo
Deposit HK$14.96M · loan HK$22.45M · min. income ≈ HK$240,066/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,426
−HK$7,489/mo
▼ 0.25% · 3.875%
HK$123,141
−HK$3,774/mo
Today · 4.125%
HK$126,915
baseline
▲ 0.50% · 4.625%
HK$134,637
+HK$7,722/mo
Deposit HK$11.22M · loan HK$26.19M · min. income ≈ HK$253,830/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,860
−HK$7,178/mo
▼ 0.25% · 3.875%
HK$136,423
−HK$3,615/mo
Today · 4.125%
HK$140,038
baseline
▲ 0.50% · 4.625%
HK$147,420
+HK$7,382/mo
Deposit HK$11.22M · loan HK$26.19M · min. income ≈ HK$280,076/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,548
−HK$9,628/mo
▼ 0.25% · 3.875%
HK$158,324
−HK$4,852/mo
Today · 4.125%
HK$163,176
baseline
▲ 0.50% · 4.625%
HK$173,105
+HK$9,929/mo
Deposit HK$3.74M · loan HK$33.67M · min. income ≈ HK$326,352/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,820
−HK$9,229/mo
▼ 0.25% · 3.875%
HK$175,401
−HK$4,648/mo
Today · 4.125%
HK$180,049
baseline
▲ 0.50% · 4.625%
HK$189,540
+HK$9,491/mo
Deposit HK$3.74M · loan HK$33.67M · min. income ≈ HK$360,098/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,922 · Scale 2, in force from 26 Feb 2026)