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$86,120
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$88,798
−HK$2,722/mo
Today · 4.125%
HK$91,520
baseline
▲ 0.50% · 4.625%
HK$97,089
+HK$5,569/mo
Deposit HK$18.88M · loan HK$18.88M · min. income ≈ HK$183,040/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$1,605,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,807
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$98,377
−HK$2,606/mo
Today · 4.125%
HK$100,983
baseline
▲ 0.50% · 4.625%
HK$106,306
+HK$5,323/mo
Deposit HK$18.88M · loan HK$18.88M · min. income ≈ HK$201,966/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$1,605,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,343
−HK$6,481/mo
▼ 0.25% · 3.875%
HK$106,558
−HK$3,266/mo
Today · 4.125%
HK$109,824
baseline
▲ 0.50% · 4.625%
HK$116,507
+HK$6,683/mo
Deposit HK$15.11M · loan HK$22.66M · min. income ≈ HK$219,648/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,605,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,969
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$118,052
−HK$3,128/mo
Today · 4.125%
HK$121,180
baseline
▲ 0.50% · 4.625%
HK$127,568
+HK$6,388/mo
Deposit HK$15.11M · loan HK$22.66M · min. income ≈ HK$242,360/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,605,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,567
−HK$7,561/mo
▼ 0.25% · 3.875%
HK$124,318
−HK$3,810/mo
Today · 4.125%
HK$128,128
baseline
▲ 0.50% · 4.625%
HK$135,924
+HK$7,796/mo
Deposit HK$11.33M · loan HK$26.44M · min. income ≈ HK$256,256/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,605,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,130
−HK$7,247/mo
▼ 0.25% · 3.875%
HK$137,727
−HK$3,650/mo
Today · 4.125%
HK$141,377
baseline
▲ 0.50% · 4.625%
HK$148,829
+HK$7,452/mo
Deposit HK$11.33M · loan HK$26.44M · min. income ≈ HK$282,754/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,605,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,015
−HK$9,721/mo
▼ 0.25% · 3.875%
HK$159,837
−HK$4,899/mo
Today · 4.125%
HK$164,736
baseline
▲ 0.50% · 4.625%
HK$174,760
+HK$10,024/mo
Deposit HK$3.78M · loan HK$33.99M · min. income ≈ HK$329,472/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,605,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,453
−HK$9,317/mo
▼ 0.25% · 3.875%
HK$177,078
−HK$4,692/mo
Today · 4.125%
HK$181,770
baseline
▲ 0.50% · 4.625%
HK$191,351
+HK$9,581/mo
Deposit HK$3.78M · loan HK$33.99M · min. income ≈ HK$363,540/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,605,119 · Scale 2, in force from 26 Feb 2026)