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$84,807
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$87,445
−HK$2,680/mo
Today · 4.125%
HK$90,125
baseline
▲ 0.50% · 4.625%
HK$95,609
+HK$5,484/mo
Deposit HK$18.60M · loan HK$18.60M · min. income ≈ HK$180,250/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,580,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,347
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$96,877
−HK$2,567/mo
Today · 4.125%
HK$99,444
baseline
▲ 0.50% · 4.625%
HK$104,686
+HK$5,242/mo
Deposit HK$18.60M · loan HK$18.60M · min. income ≈ HK$198,888/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,580,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,768
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$104,934
−HK$3,216/mo
Today · 4.125%
HK$108,150
baseline
▲ 0.50% · 4.625%
HK$114,731
+HK$6,581/mo
Deposit HK$14.88M · loan HK$22.32M · min. income ≈ HK$216,300/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,580,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,216
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$116,252
−HK$3,081/mo
Today · 4.125%
HK$119,333
baseline
▲ 0.50% · 4.625%
HK$125,623
+HK$6,290/mo
Deposit HK$14.88M · loan HK$22.32M · min. income ≈ HK$238,666/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,580,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,730
−HK$7,445/mo
▼ 0.25% · 3.875%
HK$122,423
−HK$3,752/mo
Today · 4.125%
HK$126,175
baseline
▲ 0.50% · 4.625%
HK$133,852
+HK$7,677/mo
Deposit HK$11.16M · loan HK$26.03M · min. income ≈ HK$252,350/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,580,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,085
−HK$7,137/mo
▼ 0.25% · 3.875%
HK$135,628
−HK$3,594/mo
Today · 4.125%
HK$139,222
baseline
▲ 0.50% · 4.625%
HK$146,560
+HK$7,338/mo
Deposit HK$11.16M · loan HK$26.03M · min. income ≈ HK$278,444/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,580,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,652
−HK$9,573/mo
▼ 0.25% · 3.875%
HK$157,401
−HK$4,824/mo
Today · 4.125%
HK$162,225
baseline
▲ 0.50% · 4.625%
HK$172,096
+HK$9,871/mo
Deposit HK$3.72M · loan HK$33.47M · min. income ≈ HK$324,450/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,580,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,824
−HK$9,175/mo
▼ 0.25% · 3.875%
HK$174,379
−HK$4,620/mo
Today · 4.125%
HK$178,999
baseline
▲ 0.50% · 4.625%
HK$188,434
+HK$9,435/mo
Deposit HK$3.72M · loan HK$33.47M · min. income ≈ HK$357,998/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,580,651 · Scale 2, in force from 26 Feb 2026)