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$86,094
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$88,772
−HK$2,720/mo
Today · 4.125%
HK$91,492
baseline
▲ 0.50% · 4.625%
HK$97,059
+HK$5,567/mo
Deposit HK$18.88M · loan HK$18.88M · min. income ≈ HK$182,984/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,604,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,778
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$98,347
−HK$2,606/mo
Today · 4.125%
HK$100,953
baseline
▲ 0.50% · 4.625%
HK$106,274
+HK$5,321/mo
Deposit HK$18.88M · loan HK$18.88M · min. income ≈ HK$201,906/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,604,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,312
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$106,526
−HK$3,265/mo
Today · 4.125%
HK$109,791
baseline
▲ 0.50% · 4.625%
HK$116,471
+HK$6,680/mo
Deposit HK$15.10M · loan HK$22.65M · min. income ≈ HK$219,582/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,604,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,934
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$118,016
−HK$3,127/mo
Today · 4.125%
HK$121,143
baseline
▲ 0.50% · 4.625%
HK$127,529
+HK$6,386/mo
Deposit HK$15.10M · loan HK$22.65M · min. income ≈ HK$242,286/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,604,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,531
−HK$7,558/mo
▼ 0.25% · 3.875%
HK$124,280
−HK$3,809/mo
Today · 4.125%
HK$128,089
baseline
▲ 0.50% · 4.625%
HK$135,883
+HK$7,794/mo
Deposit HK$11.33M · loan HK$26.43M · min. income ≈ HK$256,178/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,090
−HK$7,244/mo
▼ 0.25% · 3.875%
HK$137,686
−HK$3,648/mo
Today · 4.125%
HK$141,334
baseline
▲ 0.50% · 4.625%
HK$148,784
+HK$7,450/mo
Deposit HK$11.33M · loan HK$26.43M · min. income ≈ HK$282,668/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,968
−HK$9,718/mo
▼ 0.25% · 3.875%
HK$159,789
−HK$4,897/mo
Today · 4.125%
HK$164,686
baseline
▲ 0.50% · 4.625%
HK$174,707
+HK$10,021/mo
Deposit HK$3.78M · loan HK$33.98M · min. income ≈ HK$329,372/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,401
−HK$9,314/mo
▼ 0.25% · 3.875%
HK$177,025
−HK$4,690/mo
Today · 4.125%
HK$181,715
baseline
▲ 0.50% · 4.625%
HK$191,294
+HK$9,579/mo
Deposit HK$3.78M · loan HK$33.98M · min. income ≈ HK$363,430/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,634 · Scale 2, in force from 26 Feb 2026)