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$85,538
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$88,199
−HK$2,703/mo
Today · 4.125%
HK$90,902
baseline
▲ 0.50% · 4.625%
HK$96,433
+HK$5,531/mo
Deposit HK$18.76M · loan HK$18.76M · min. income ≈ HK$181,804/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,594,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,160
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,712
−HK$2,590/mo
Today · 4.125%
HK$100,302
baseline
▲ 0.50% · 4.625%
HK$105,589
+HK$5,287/mo
Deposit HK$18.76M · loan HK$18.76M · min. income ≈ HK$200,604/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,594,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,646
−HK$6,437/mo
▼ 0.25% · 3.875%
HK$105,839
−HK$3,244/mo
Today · 4.125%
HK$109,083
baseline
▲ 0.50% · 4.625%
HK$115,720
+HK$6,637/mo
Deposit HK$15.01M · loan HK$22.51M · min. income ≈ HK$218,166/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,594,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,192
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$117,255
−HK$3,107/mo
Today · 4.125%
HK$120,362
baseline
▲ 0.50% · 4.625%
HK$126,706
+HK$6,344/mo
Deposit HK$15.01M · loan HK$22.51M · min. income ≈ HK$240,724/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,594,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,753
−HK$7,510/mo
▼ 0.25% · 3.875%
HK$123,478
−HK$3,785/mo
Today · 4.125%
HK$127,263
baseline
▲ 0.50% · 4.625%
HK$135,007
+HK$7,744/mo
Deposit HK$11.25M · loan HK$26.26M · min. income ≈ HK$254,526/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,594,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,224
−HK$7,198/mo
▼ 0.25% · 3.875%
HK$136,797
−HK$3,625/mo
Today · 4.125%
HK$140,422
baseline
▲ 0.50% · 4.625%
HK$147,824
+HK$7,402/mo
Deposit HK$11.25M · loan HK$26.26M · min. income ≈ HK$280,844/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,594,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,969
−HK$9,655/mo
▼ 0.25% · 3.875%
HK$158,758
−HK$4,866/mo
Today · 4.125%
HK$163,624
baseline
▲ 0.50% · 4.625%
HK$173,580
+HK$9,956/mo
Deposit HK$3.75M · loan HK$33.76M · min. income ≈ HK$327,248/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,594,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,289
−HK$9,254/mo
▼ 0.25% · 3.875%
HK$175,882
−HK$4,661/mo
Today · 4.125%
HK$180,543
baseline
▲ 0.50% · 4.625%
HK$190,059
+HK$9,516/mo
Deposit HK$3.75M · loan HK$33.76M · min. income ≈ HK$361,086/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,594,282 · Scale 2, in force from 26 Feb 2026)