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$85,556
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$88,217
−HK$2,704/mo
Today · 4.125%
HK$90,921
baseline
▲ 0.50% · 4.625%
HK$96,453
+HK$5,532/mo
Deposit HK$18.76M · loan HK$18.76M · min. income ≈ HK$181,842/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,594,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,180
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,733
−HK$2,589/mo
Today · 4.125%
HK$100,322
baseline
▲ 0.50% · 4.625%
HK$105,611
+HK$5,289/mo
Deposit HK$18.76M · loan HK$18.76M · min. income ≈ HK$200,644/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,594,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,667
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$105,861
−HK$3,244/mo
Today · 4.125%
HK$109,105
baseline
▲ 0.50% · 4.625%
HK$115,744
+HK$6,639/mo
Deposit HK$15.01M · loan HK$22.51M · min. income ≈ HK$218,210/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,594,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,216
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$117,279
−HK$3,108/mo
Today · 4.125%
HK$120,387
baseline
▲ 0.50% · 4.625%
HK$126,733
+HK$6,346/mo
Deposit HK$15.01M · loan HK$22.51M · min. income ≈ HK$240,774/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,594,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,778
−HK$7,511/mo
▼ 0.25% · 3.875%
HK$123,504
−HK$3,785/mo
Today · 4.125%
HK$127,289
baseline
▲ 0.50% · 4.625%
HK$135,035
+HK$7,746/mo
Deposit HK$11.26M · loan HK$26.26M · min. income ≈ HK$254,578/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,594,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,252
−HK$7,199/mo
▼ 0.25% · 3.875%
HK$136,826
−HK$3,625/mo
Today · 4.125%
HK$140,451
baseline
▲ 0.50% · 4.625%
HK$147,855
+HK$7,404/mo
Deposit HK$11.26M · loan HK$26.26M · min. income ≈ HK$280,902/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,594,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,001
−HK$9,657/mo
▼ 0.25% · 3.875%
HK$158,791
−HK$4,867/mo
Today · 4.125%
HK$163,658
baseline
▲ 0.50% · 4.625%
HK$173,616
+HK$9,958/mo
Deposit HK$3.75M · loan HK$33.77M · min. income ≈ HK$327,316/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,594,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,324
−HK$9,256/mo
▼ 0.25% · 3.875%
HK$175,919
−HK$4,661/mo
Today · 4.125%
HK$180,580
baseline
▲ 0.50% · 4.625%
HK$190,099
+HK$9,519/mo
Deposit HK$3.75M · loan HK$33.77M · min. income ≈ HK$361,160/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,594,614 · Scale 2, in force from 26 Feb 2026)