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$86,257
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$88,940
−HK$2,726/mo
Today · 4.125%
HK$91,666
baseline
▲ 0.50% · 4.625%
HK$97,244
+HK$5,578/mo
Deposit HK$18.91M · loan HK$18.91M · min. income ≈ HK$183,332/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$1,607,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,960
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,534
−HK$2,611/mo
Today · 4.125%
HK$101,145
baseline
▲ 0.50% · 4.625%
HK$106,476
+HK$5,331/mo
Deposit HK$18.91M · loan HK$18.91M · min. income ≈ HK$202,290/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$1,607,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,509
−HK$6,490/mo
▼ 0.25% · 3.875%
HK$106,728
−HK$3,271/mo
Today · 4.125%
HK$109,999
baseline
▲ 0.50% · 4.625%
HK$116,693
+HK$6,694/mo
Deposit HK$15.13M · loan HK$22.70M · min. income ≈ HK$219,998/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,607,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,152
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$118,241
−HK$3,133/mo
Today · 4.125%
HK$121,374
baseline
▲ 0.50% · 4.625%
HK$127,771
+HK$6,397/mo
Deposit HK$15.13M · loan HK$22.70M · min. income ≈ HK$242,748/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,607,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,760
−HK$7,573/mo
▼ 0.25% · 3.875%
HK$124,516
−HK$3,817/mo
Today · 4.125%
HK$128,333
baseline
▲ 0.50% · 4.625%
HK$136,141
+HK$7,808/mo
Deposit HK$11.35M · loan HK$26.48M · min. income ≈ HK$256,666/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,607,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,344
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$137,947
−HK$3,656/mo
Today · 4.125%
HK$141,603
baseline
▲ 0.50% · 4.625%
HK$149,067
+HK$7,464/mo
Deposit HK$11.35M · loan HK$26.48M · min. income ≈ HK$283,206/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,607,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,263
−HK$9,736/mo
▼ 0.25% · 3.875%
HK$160,092
−HK$4,907/mo
Today · 4.125%
HK$164,999
baseline
▲ 0.50% · 4.625%
HK$175,039
+HK$10,040/mo
Deposit HK$3.78M · loan HK$34.05M · min. income ≈ HK$329,998/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,607,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,728
−HK$9,332/mo
▼ 0.25% · 3.875%
HK$177,361
−HK$4,699/mo
Today · 4.125%
HK$182,060
baseline
▲ 0.50% · 4.625%
HK$191,657
+HK$9,597/mo
Deposit HK$3.78M · loan HK$34.05M · min. income ≈ HK$364,120/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,607,683 · Scale 2, in force from 26 Feb 2026)