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$84,775
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$87,412
−HK$2,679/mo
Today · 4.125%
HK$90,091
baseline
▲ 0.50% · 4.625%
HK$95,573
+HK$5,482/mo
Deposit HK$18.59M · loan HK$18.59M · min. income ≈ HK$180,182/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,580,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,311
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$96,841
−HK$2,566/mo
Today · 4.125%
HK$99,407
baseline
▲ 0.50% · 4.625%
HK$104,646
+HK$5,239/mo
Deposit HK$18.59M · loan HK$18.59M · min. income ≈ HK$198,814/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,580,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,730
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$104,894
−HK$3,215/mo
Today · 4.125%
HK$108,109
baseline
▲ 0.50% · 4.625%
HK$114,687
+HK$6,578/mo
Deposit HK$14.87M · loan HK$22.31M · min. income ≈ HK$216,218/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,580,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,174
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$116,209
−HK$3,079/mo
Today · 4.125%
HK$119,288
baseline
▲ 0.50% · 4.625%
HK$125,576
+HK$6,288/mo
Deposit HK$14.87M · loan HK$22.31M · min. income ≈ HK$238,576/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,580,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,685
−HK$7,442/mo
▼ 0.25% · 3.875%
HK$122,377
−HK$3,750/mo
Today · 4.125%
HK$126,127
baseline
▲ 0.50% · 4.625%
HK$133,802
+HK$7,675/mo
Deposit HK$11.15M · loan HK$26.02M · min. income ≈ HK$252,254/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,580,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,036
−HK$7,133/mo
▼ 0.25% · 3.875%
HK$135,577
−HK$3,592/mo
Today · 4.125%
HK$139,169
baseline
▲ 0.50% · 4.625%
HK$146,505
+HK$7,336/mo
Deposit HK$11.15M · loan HK$26.02M · min. income ≈ HK$278,338/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,580,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,595
−HK$9,569/mo
▼ 0.25% · 3.875%
HK$157,341
−HK$4,823/mo
Today · 4.125%
HK$162,164
baseline
▲ 0.50% · 4.625%
HK$172,031
+HK$9,867/mo
Deposit HK$3.72M · loan HK$33.46M · min. income ≈ HK$324,328/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,580,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,760
−HK$9,172/mo
▼ 0.25% · 3.875%
HK$174,313
−HK$4,619/mo
Today · 4.125%
HK$178,932
baseline
▲ 0.50% · 4.625%
HK$188,364
+HK$9,432/mo
Deposit HK$3.72M · loan HK$33.46M · min. income ≈ HK$357,864/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,580,057 · Scale 2, in force from 26 Feb 2026)