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$86,529
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$89,221
−HK$2,735/mo
Today · 4.125%
HK$91,956
baseline
▲ 0.50% · 4.625%
HK$97,551
+HK$5,595/mo
Deposit HK$18.97M · loan HK$18.97M · min. income ≈ HK$183,912/mo (50% DSR)
Upfront cash ≈ HK$20.59M (deposit + AVD stamp duty HK$1,612,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,263
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$98,845
−HK$2,619/mo
Today · 4.125%
HK$101,464
baseline
▲ 0.50% · 4.625%
HK$106,812
+HK$5,348/mo
Deposit HK$18.97M · loan HK$18.97M · min. income ≈ HK$202,928/mo (50% DSR)
Upfront cash ≈ HK$20.59M (deposit + AVD stamp duty HK$1,612,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,835
−HK$6,512/mo
▼ 0.25% · 3.875%
HK$107,065
−HK$3,282/mo
Today · 4.125%
HK$110,347
baseline
▲ 0.50% · 4.625%
HK$117,061
+HK$6,714/mo
Deposit HK$15.18M · loan HK$22.77M · min. income ≈ HK$220,694/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,612,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,516
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$118,614
−HK$3,143/mo
Today · 4.125%
HK$121,757
baseline
▲ 0.50% · 4.625%
HK$128,175
+HK$6,418/mo
Deposit HK$15.18M · loan HK$22.77M · min. income ≈ HK$243,514/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,612,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,141
−HK$7,597/mo
▼ 0.25% · 3.875%
HK$124,909
−HK$3,829/mo
Today · 4.125%
HK$128,738
baseline
▲ 0.50% · 4.625%
HK$136,571
+HK$7,833/mo
Deposit HK$11.38M · loan HK$26.56M · min. income ≈ HK$257,476/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,612,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,768
−HK$7,282/mo
▼ 0.25% · 3.875%
HK$138,383
−HK$3,667/mo
Today · 4.125%
HK$142,050
baseline
▲ 0.50% · 4.625%
HK$149,537
+HK$7,487/mo
Deposit HK$11.38M · loan HK$26.56M · min. income ≈ HK$284,100/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,612,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,753
−HK$9,767/mo
▼ 0.25% · 3.875%
HK$160,598
−HK$4,922/mo
Today · 4.125%
HK$165,520
baseline
▲ 0.50% · 4.625%
HK$175,592
+HK$10,072/mo
Deposit HK$3.79M · loan HK$34.15M · min. income ≈ HK$331,040/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,612,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,274
−HK$9,361/mo
▼ 0.25% · 3.875%
HK$177,921
−HK$4,714/mo
Today · 4.125%
HK$182,635
baseline
▲ 0.50% · 4.625%
HK$192,262
+HK$9,627/mo
Deposit HK$3.79M · loan HK$34.15M · min. income ≈ HK$365,270/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,612,759 · Scale 2, in force from 26 Feb 2026)