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$87,918
−HK$2,695/mo
Today · 4.125%
HK$90,613
baseline
▲ 0.50% · 4.625%
HK$96,126
+HK$5,513/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$1,589,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,858
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$97,402
−HK$2,580/mo
Today · 4.125%
HK$99,982
baseline
▲ 0.50% · 4.625%
HK$105,253
+HK$5,271/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$199,964/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,319
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$105,502
−HK$3,233/mo
Today · 4.125%
HK$108,735
baseline
▲ 0.50% · 4.625%
HK$115,352
+HK$6,617/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$217,470/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,209 · 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$126,303
+HK$6,324/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$1,589,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,372
−HK$7,486/mo
▼ 0.25% · 3.875%
HK$123,085
−HK$3,773/mo
Today · 4.125%
HK$126,858
baseline
▲ 0.50% · 4.625%
HK$134,577
+HK$7,719/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$1,589,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,801
−HK$7,174/mo
▼ 0.25% · 3.875%
HK$136,362
−HK$3,613/mo
Today · 4.125%
HK$139,975
baseline
▲ 0.50% · 4.625%
HK$147,354
+HK$7,379/mo
Deposit HK$11.22M · loan HK$26.18M · min. income ≈ HK$279,950/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,479
−HK$9,624/mo
▼ 0.25% · 3.875%
HK$158,253
−HK$4,850/mo
Today · 4.125%
HK$163,103
baseline
▲ 0.50% · 4.625%
HK$173,028
+HK$9,925/mo
Deposit HK$3.74M · loan HK$33.65M · min. income ≈ HK$326,206/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,744
−HK$9,224/mo
▼ 0.25% · 3.875%
HK$175,323
−HK$4,645/mo
Today · 4.125%
HK$179,968
baseline
▲ 0.50% · 4.625%
HK$189,455
+HK$9,487/mo
Deposit HK$3.74M · loan HK$33.65M · min. income ≈ HK$359,936/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,209 · Scale 2, in force from 26 Feb 2026)