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$86,280
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$88,964
−HK$2,727/mo
Today · 4.125%
HK$91,691
baseline
▲ 0.50% · 4.625%
HK$97,270
+HK$5,579/mo
Deposit HK$18.92M · loan HK$18.92M · min. income ≈ HK$183,382/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,608,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,986
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$98,560
−HK$2,612/mo
Today · 4.125%
HK$101,172
baseline
▲ 0.50% · 4.625%
HK$106,505
+HK$5,333/mo
Deposit HK$18.92M · loan HK$18.92M · min. income ≈ HK$202,344/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,608,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,536
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$106,757
−HK$3,272/mo
Today · 4.125%
HK$110,029
baseline
▲ 0.50% · 4.625%
HK$116,724
+HK$6,695/mo
Deposit HK$15.14M · loan HK$22.70M · min. income ≈ HK$220,058/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,608,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,183
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$118,272
−HK$3,134/mo
Today · 4.125%
HK$121,406
baseline
▲ 0.50% · 4.625%
HK$127,806
+HK$6,400/mo
Deposit HK$15.14M · loan HK$22.70M · min. income ≈ HK$242,812/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,608,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,792
−HK$7,575/mo
▼ 0.25% · 3.875%
HK$124,550
−HK$3,817/mo
Today · 4.125%
HK$128,367
baseline
▲ 0.50% · 4.625%
HK$136,178
+HK$7,811/mo
Deposit HK$11.35M · loan HK$26.49M · min. income ≈ HK$256,734/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,608,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,380
−HK$7,260/mo
▼ 0.25% · 3.875%
HK$137,984
−HK$3,656/mo
Today · 4.125%
HK$141,640
baseline
▲ 0.50% · 4.625%
HK$149,106
+HK$7,466/mo
Deposit HK$11.35M · loan HK$26.49M · min. income ≈ HK$283,280/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,608,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,304
−HK$9,739/mo
▼ 0.25% · 3.875%
HK$160,135
−HK$4,908/mo
Today · 4.125%
HK$165,043
baseline
▲ 0.50% · 4.625%
HK$175,086
+HK$10,043/mo
Deposit HK$3.78M · loan HK$34.05M · min. income ≈ HK$330,086/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,608,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,775
−HK$9,334/mo
▼ 0.25% · 3.875%
HK$177,408
−HK$4,701/mo
Today · 4.125%
HK$182,109
baseline
▲ 0.50% · 4.625%
HK$191,708
+HK$9,599/mo
Deposit HK$3.78M · loan HK$34.05M · min. income ≈ HK$364,218/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,608,113 · Scale 2, in force from 26 Feb 2026)