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$86,181
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$88,862
−HK$2,723/mo
Today · 4.125%
HK$91,585
baseline
▲ 0.50% · 4.625%
HK$97,158
+HK$5,573/mo
Deposit HK$18.90M · loan HK$18.90M · min. income ≈ HK$183,170/mo (50% DSR)
Upfront cash ≈ HK$20.50M (deposit + AVD stamp duty HK$1,606,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,875
−HK$5,180/mo
▼ 0.25% · 3.875%
HK$98,447
−HK$2,608/mo
Today · 4.125%
HK$101,055
baseline
▲ 0.50% · 4.625%
HK$106,382
+HK$5,327/mo
Deposit HK$18.90M · loan HK$18.90M · min. income ≈ HK$202,110/mo (50% DSR)
Upfront cash ≈ HK$20.50M (deposit + AVD stamp duty HK$1,606,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,417
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$106,634
−HK$3,268/mo
Today · 4.125%
HK$109,902
baseline
▲ 0.50% · 4.625%
HK$116,590
+HK$6,688/mo
Deposit HK$15.12M · loan HK$22.68M · min. income ≈ HK$219,804/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,606,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,050
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$118,136
−HK$3,130/mo
Today · 4.125%
HK$121,266
baseline
▲ 0.50% · 4.625%
HK$127,658
+HK$6,392/mo
Deposit HK$15.12M · loan HK$22.68M · min. income ≈ HK$242,532/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,606,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,653
−HK$7,566/mo
▼ 0.25% · 3.875%
HK$124,406
−HK$3,813/mo
Today · 4.125%
HK$128,219
baseline
▲ 0.50% · 4.625%
HK$136,021
+HK$7,802/mo
Deposit HK$11.34M · loan HK$26.46M · min. income ≈ HK$256,438/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,606,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,226
−HK$7,251/mo
▼ 0.25% · 3.875%
HK$137,825
−HK$3,652/mo
Today · 4.125%
HK$141,477
baseline
▲ 0.50% · 4.625%
HK$148,935
+HK$7,458/mo
Deposit HK$11.34M · loan HK$26.46M · min. income ≈ HK$282,954/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,606,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,126
−HK$9,727/mo
▼ 0.25% · 3.875%
HK$159,951
−HK$4,902/mo
Today · 4.125%
HK$164,853
baseline
▲ 0.50% · 4.625%
HK$174,884
+HK$10,031/mo
Deposit HK$3.78M · loan HK$34.01M · min. income ≈ HK$329,706/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,606,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,576
−HK$9,323/mo
▼ 0.25% · 3.875%
HK$177,204
−HK$4,695/mo
Today · 4.125%
HK$181,899
baseline
▲ 0.50% · 4.625%
HK$191,488
+HK$9,589/mo
Deposit HK$3.78M · loan HK$34.01M · min. income ≈ HK$363,798/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,606,262 · Scale 2, in force from 26 Feb 2026)