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$85,266
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$87,919
−HK$2,694/mo
Today · 4.125%
HK$90,613
baseline
▲ 0.50% · 4.625%
HK$96,127
+HK$5,514/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$181,226/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,858
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$97,402
−HK$2,581/mo
Today · 4.125%
HK$99,983
baseline
▲ 0.50% · 4.625%
HK$105,253
+HK$5,270/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$199,966/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,320
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$105,502
−HK$3,234/mo
Today · 4.125%
HK$108,736
baseline
▲ 0.50% · 4.625%
HK$115,352
+HK$6,616/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$217,472/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,829
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$116,882
−HK$3,097/mo
Today · 4.125%
HK$119,979
baseline
▲ 0.50% · 4.625%
HK$126,304
+HK$6,325/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$239,958/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,373
−HK$7,485/mo
▼ 0.25% · 3.875%
HK$123,086
−HK$3,772/mo
Today · 4.125%
HK$126,858
baseline
▲ 0.50% · 4.625%
HK$134,578
+HK$7,720/mo
Deposit HK$11.22M · loan HK$26.18M · min. income ≈ HK$253,716/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,801
−HK$7,175/mo
▼ 0.25% · 3.875%
HK$136,363
−HK$3,613/mo
Today · 4.125%
HK$139,976
baseline
▲ 0.50% · 4.625%
HK$147,354
+HK$7,378/mo
Deposit HK$11.22M · loan HK$26.18M · min. income ≈ HK$279,952/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,479
−HK$9,625/mo
▼ 0.25% · 3.875%
HK$158,253
−HK$4,851/mo
Today · 4.125%
HK$163,104
baseline
▲ 0.50% · 4.625%
HK$173,028
+HK$9,924/mo
Deposit HK$3.74M · loan HK$33.65M · min. income ≈ HK$326,208/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,744
−HK$9,225/mo
▼ 0.25% · 3.875%
HK$175,323
−HK$4,646/mo
Today · 4.125%
HK$179,969
baseline
▲ 0.50% · 4.625%
HK$189,455
+HK$9,486/mo
Deposit HK$3.74M · loan HK$33.65M · min. income ≈ HK$359,938/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,215 · Scale 2, in force from 26 Feb 2026)