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$86,165
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$88,846
−HK$2,723/mo
Today · 4.125%
HK$91,569
baseline
▲ 0.50% · 4.625%
HK$97,140
+HK$5,571/mo
Deposit HK$18.89M · loan HK$18.89M · min. income ≈ HK$183,138/mo (50% DSR)
Upfront cash ≈ HK$20.50M (deposit + AVD stamp duty HK$1,605,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,858
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$98,429
−HK$2,608/mo
Today · 4.125%
HK$101,037
baseline
▲ 0.50% · 4.625%
HK$106,363
+HK$5,326/mo
Deposit HK$18.89M · loan HK$18.89M · min. income ≈ HK$202,074/mo (50% DSR)
Upfront cash ≈ HK$20.50M (deposit + AVD stamp duty HK$1,605,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,398
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$106,615
−HK$3,267/mo
Today · 4.125%
HK$109,882
baseline
▲ 0.50% · 4.625%
HK$116,569
+HK$6,687/mo
Deposit HK$15.12M · loan HK$22.67M · min. income ≈ HK$219,764/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,605,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,030
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$118,115
−HK$3,129/mo
Today · 4.125%
HK$121,244
baseline
▲ 0.50% · 4.625%
HK$127,635
+HK$6,391/mo
Deposit HK$15.12M · loan HK$22.67M · min. income ≈ HK$242,488/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,605,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,632
−HK$7,564/mo
▼ 0.25% · 3.875%
HK$124,384
−HK$3,812/mo
Today · 4.125%
HK$128,196
baseline
▲ 0.50% · 4.625%
HK$135,997
+HK$7,801/mo
Deposit HK$11.34M · loan HK$26.45M · min. income ≈ HK$256,392/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,605,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,201
−HK$7,251/mo
▼ 0.25% · 3.875%
HK$137,801
−HK$3,651/mo
Today · 4.125%
HK$141,452
baseline
▲ 0.50% · 4.625%
HK$148,908
+HK$7,456/mo
Deposit HK$11.34M · loan HK$26.45M · min. income ≈ HK$282,904/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,605,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,098
−HK$9,726/mo
▼ 0.25% · 3.875%
HK$159,922
−HK$4,902/mo
Today · 4.125%
HK$164,824
baseline
▲ 0.50% · 4.625%
HK$174,853
+HK$10,029/mo
Deposit HK$3.78M · loan HK$34.01M · min. income ≈ HK$329,648/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,605,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,545
−HK$9,322/mo
▼ 0.25% · 3.875%
HK$177,172
−HK$4,695/mo
Today · 4.125%
HK$181,867
baseline
▲ 0.50% · 4.625%
HK$191,453
+HK$9,586/mo
Deposit HK$3.78M · loan HK$34.01M · min. income ≈ HK$363,734/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,605,973 · Scale 2, in force from 26 Feb 2026)