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$85,150
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$87,799
−HK$2,691/mo
Today · 4.125%
HK$90,490
baseline
▲ 0.50% · 4.625%
HK$95,996
+HK$5,506/mo
Deposit HK$18.67M · loan HK$18.67M · min. income ≈ HK$180,980/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,587,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,729
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$97,269
−HK$2,578/mo
Today · 4.125%
HK$99,847
baseline
▲ 0.50% · 4.625%
HK$105,110
+HK$5,263/mo
Deposit HK$18.67M · loan HK$18.67M · min. income ≈ HK$199,694/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,587,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,180
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$105,359
−HK$3,229/mo
Today · 4.125%
HK$108,588
baseline
▲ 0.50% · 4.625%
HK$115,195
+HK$6,607/mo
Deposit HK$14.94M · loan HK$22.41M · min. income ≈ HK$217,176/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,587,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,674
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$116,723
−HK$3,093/mo
Today · 4.125%
HK$119,816
baseline
▲ 0.50% · 4.625%
HK$126,132
+HK$6,316/mo
Deposit HK$14.94M · loan HK$22.41M · min. income ≈ HK$239,632/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,587,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,210
−HK$7,476/mo
▼ 0.25% · 3.875%
HK$122,918
−HK$3,768/mo
Today · 4.125%
HK$126,686
baseline
▲ 0.50% · 4.625%
HK$134,394
+HK$7,708/mo
Deposit HK$11.20M · loan HK$26.14M · min. income ≈ HK$253,372/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,587,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,620
−HK$7,165/mo
▼ 0.25% · 3.875%
HK$136,177
−HK$3,608/mo
Today · 4.125%
HK$139,785
baseline
▲ 0.50% · 4.625%
HK$147,153
+HK$7,368/mo
Deposit HK$11.20M · loan HK$26.14M · min. income ≈ HK$279,570/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,587,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,270
−HK$9,612/mo
▼ 0.25% · 3.875%
HK$158,038
−HK$4,844/mo
Today · 4.125%
HK$162,882
baseline
▲ 0.50% · 4.625%
HK$172,793
+HK$9,911/mo
Deposit HK$3.73M · loan HK$33.61M · min. income ≈ HK$325,764/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,512
−HK$9,212/mo
▼ 0.25% · 3.875%
HK$175,085
−HK$4,639/mo
Today · 4.125%
HK$179,724
baseline
▲ 0.50% · 4.625%
HK$189,197
+HK$9,473/mo
Deposit HK$3.73M · loan HK$33.61M · min. income ≈ HK$359,448/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,050 · Scale 2, in force from 26 Feb 2026)