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$84,846
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$87,485
−HK$2,682/mo
Today · 4.125%
HK$90,167
baseline
▲ 0.50% · 4.625%
HK$95,653
+HK$5,486/mo
Deposit HK$18.60M · loan HK$18.60M · min. income ≈ HK$180,334/mo (50% DSR)
Upfront cash ≈ HK$20.19M (deposit + AVD stamp duty HK$1,581,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,391
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$96,922
−HK$2,568/mo
Today · 4.125%
HK$99,490
baseline
▲ 0.50% · 4.625%
HK$104,734
+HK$5,244/mo
Deposit HK$18.60M · loan HK$18.60M · min. income ≈ HK$198,980/mo (50% DSR)
Upfront cash ≈ HK$20.19M (deposit + AVD stamp duty HK$1,581,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,815
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$104,982
−HK$3,218/mo
Today · 4.125%
HK$108,200
baseline
▲ 0.50% · 4.625%
HK$114,784
+HK$6,584/mo
Deposit HK$14.88M · loan HK$22.33M · min. income ≈ HK$216,400/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,581,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,269
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$116,306
−HK$3,082/mo
Today · 4.125%
HK$119,388
baseline
▲ 0.50% · 4.625%
HK$125,681
+HK$6,293/mo
Deposit HK$14.88M · loan HK$22.33M · min. income ≈ HK$238,776/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,581,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,785
−HK$7,449/mo
▼ 0.25% · 3.875%
HK$122,480
−HK$3,754/mo
Today · 4.125%
HK$126,234
baseline
▲ 0.50% · 4.625%
HK$133,915
+HK$7,681/mo
Deposit HK$11.16M · loan HK$26.05M · min. income ≈ HK$252,468/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,581,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,147
−HK$7,139/mo
▼ 0.25% · 3.875%
HK$135,691
−HK$3,595/mo
Today · 4.125%
HK$139,286
baseline
▲ 0.50% · 4.625%
HK$146,628
+HK$7,342/mo
Deposit HK$11.16M · loan HK$26.05M · min. income ≈ HK$278,572/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,581,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,723
−HK$9,577/mo
▼ 0.25% · 3.875%
HK$157,474
−HK$4,826/mo
Today · 4.125%
HK$162,300
baseline
▲ 0.50% · 4.625%
HK$172,176
+HK$9,876/mo
Deposit HK$3.72M · loan HK$33.49M · min. income ≈ HK$324,600/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,581,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,903
−HK$9,179/mo
▼ 0.25% · 3.875%
HK$174,460
−HK$4,622/mo
Today · 4.125%
HK$179,082
baseline
▲ 0.50% · 4.625%
HK$188,522
+HK$9,440/mo
Deposit HK$3.72M · loan HK$33.49M · min. income ≈ HK$358,164/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,581,386 · Scale 2, in force from 26 Feb 2026)