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$86,483
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$89,174
−HK$2,733/mo
Today · 4.125%
HK$91,907
baseline
▲ 0.50% · 4.625%
HK$97,499
+HK$5,592/mo
Deposit HK$18.96M · loan HK$18.96M · min. income ≈ HK$183,814/mo (50% DSR)
Upfront cash ≈ HK$20.58M (deposit + AVD stamp duty HK$1,611,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,212
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$98,792
−HK$2,618/mo
Today · 4.125%
HK$101,410
baseline
▲ 0.50% · 4.625%
HK$106,756
+HK$5,346/mo
Deposit HK$18.96M · loan HK$18.96M · min. income ≈ HK$202,820/mo (50% DSR)
Upfront cash ≈ HK$20.58M (deposit + AVD stamp duty HK$1,611,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,780
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$107,008
−HK$3,280/mo
Today · 4.125%
HK$110,288
baseline
▲ 0.50% · 4.625%
HK$116,999
+HK$6,711/mo
Deposit HK$15.17M · loan HK$22.76M · min. income ≈ HK$220,576/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,611,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,454
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$118,551
−HK$3,141/mo
Today · 4.125%
HK$121,692
baseline
▲ 0.50% · 4.625%
HK$128,107
+HK$6,415/mo
Deposit HK$15.17M · loan HK$22.76M · min. income ≈ HK$243,384/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,611,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,077
−HK$7,592/mo
▼ 0.25% · 3.875%
HK$124,843
−HK$3,826/mo
Today · 4.125%
HK$128,669
baseline
▲ 0.50% · 4.625%
HK$136,499
+HK$7,830/mo
Deposit HK$11.38M · loan HK$26.55M · min. income ≈ HK$257,338/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,611,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,697
−HK$7,277/mo
▼ 0.25% · 3.875%
HK$138,309
−HK$3,665/mo
Today · 4.125%
HK$141,974
baseline
▲ 0.50% · 4.625%
HK$149,458
+HK$7,484/mo
Deposit HK$11.38M · loan HK$26.55M · min. income ≈ HK$283,948/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,611,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,670
−HK$9,762/mo
▼ 0.25% · 3.875%
HK$160,513
−HK$4,919/mo
Today · 4.125%
HK$165,432
baseline
▲ 0.50% · 4.625%
HK$175,498
+HK$10,066/mo
Deposit HK$3.79M · loan HK$34.13M · min. income ≈ HK$330,864/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,611,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,182
−HK$9,356/mo
▼ 0.25% · 3.875%
HK$177,826
−HK$4,712/mo
Today · 4.125%
HK$182,538
baseline
▲ 0.50% · 4.625%
HK$192,160
+HK$9,622/mo
Deposit HK$3.79M · loan HK$34.13M · min. income ≈ HK$365,076/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,611,902 · Scale 2, in force from 26 Feb 2026)