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$86,194
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$88,875
−HK$2,724/mo
Today · 4.125%
HK$91,599
baseline
▲ 0.50% · 4.625%
HK$97,173
+HK$5,574/mo
Deposit HK$18.90M · loan HK$18.90M · min. income ≈ HK$183,198/mo (50% DSR)
Upfront cash ≈ HK$20.51M (deposit + AVD stamp duty HK$1,606,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,890
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$98,462
−HK$2,609/mo
Today · 4.125%
HK$101,071
baseline
▲ 0.50% · 4.625%
HK$106,398
+HK$5,327/mo
Deposit HK$18.90M · loan HK$18.90M · min. income ≈ HK$202,142/mo (50% DSR)
Upfront cash ≈ HK$20.51M (deposit + AVD stamp duty HK$1,606,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,433
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$106,650
−HK$3,269/mo
Today · 4.125%
HK$109,919
baseline
▲ 0.50% · 4.625%
HK$116,607
+HK$6,688/mo
Deposit HK$15.12M · loan HK$22.68M · min. income ≈ HK$219,838/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,606,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,068
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$118,154
−HK$3,131/mo
Today · 4.125%
HK$121,285
baseline
▲ 0.50% · 4.625%
HK$127,678
+HK$6,393/mo
Deposit HK$15.12M · loan HK$22.68M · min. income ≈ HK$242,570/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,606,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,672
−HK$7,567/mo
▼ 0.25% · 3.875%
HK$124,425
−HK$3,814/mo
Today · 4.125%
HK$128,239
baseline
▲ 0.50% · 4.625%
HK$136,042
+HK$7,803/mo
Deposit HK$11.34M · loan HK$26.46M · min. income ≈ HK$256,478/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,606,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,246
−HK$7,253/mo
▼ 0.25% · 3.875%
HK$137,846
−HK$3,653/mo
Today · 4.125%
HK$141,499
baseline
▲ 0.50% · 4.625%
HK$148,957
+HK$7,458/mo
Deposit HK$11.34M · loan HK$26.46M · min. income ≈ HK$282,998/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,606,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,149
−HK$9,729/mo
▼ 0.25% · 3.875%
HK$159,975
−HK$4,903/mo
Today · 4.125%
HK$164,878
baseline
▲ 0.50% · 4.625%
HK$174,911
+HK$10,033/mo
Deposit HK$3.78M · loan HK$34.02M · min. income ≈ HK$329,756/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,606,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,602
−HK$9,325/mo
▼ 0.25% · 3.875%
HK$177,231
−HK$4,696/mo
Today · 4.125%
HK$181,927
baseline
▲ 0.50% · 4.625%
HK$191,517
+HK$9,590/mo
Deposit HK$3.78M · loan HK$34.02M · min. income ≈ HK$363,854/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,606,506 · Scale 2, in force from 26 Feb 2026)