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$85,854
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$88,524
−HK$2,714/mo
Today · 4.125%
HK$91,238
baseline
▲ 0.50% · 4.625%
HK$96,789
+HK$5,551/mo
Deposit HK$18.83M · loan HK$18.83M · min. income ≈ HK$182,476/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,600,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,511
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$98,073
−HK$2,599/mo
Today · 4.125%
HK$100,672
baseline
▲ 0.50% · 4.625%
HK$105,978
+HK$5,306/mo
Deposit HK$18.83M · loan HK$18.83M · min. income ≈ HK$201,344/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,600,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,025
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$106,229
−HK$3,256/mo
Today · 4.125%
HK$109,485
baseline
▲ 0.50% · 4.625%
HK$116,147
+HK$6,662/mo
Deposit HK$15.06M · loan HK$22.59M · min. income ≈ HK$218,970/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,600,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,614
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$117,688
−HK$3,118/mo
Today · 4.125%
HK$120,806
baseline
▲ 0.50% · 4.625%
HK$127,174
+HK$6,368/mo
Deposit HK$15.06M · loan HK$22.59M · min. income ≈ HK$241,612/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,600,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,195
−HK$7,538/mo
▼ 0.25% · 3.875%
HK$123,934
−HK$3,799/mo
Today · 4.125%
HK$127,733
baseline
▲ 0.50% · 4.625%
HK$135,505
+HK$7,772/mo
Deposit HK$11.30M · loan HK$26.36M · min. income ≈ HK$255,466/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,600,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,716
−HK$7,224/mo
▼ 0.25% · 3.875%
HK$137,302
−HK$3,638/mo
Today · 4.125%
HK$140,940
baseline
▲ 0.50% · 4.625%
HK$148,369
+HK$7,429/mo
Deposit HK$11.30M · loan HK$26.36M · min. income ≈ HK$281,880/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,600,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,537
−HK$9,691/mo
▼ 0.25% · 3.875%
HK$159,344
−HK$4,884/mo
Today · 4.125%
HK$164,228
baseline
▲ 0.50% · 4.625%
HK$174,220
+HK$9,992/mo
Deposit HK$3.77M · loan HK$33.89M · min. income ≈ HK$328,456/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,600,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,921
−HK$9,288/mo
▼ 0.25% · 3.875%
HK$176,531
−HK$4,678/mo
Today · 4.125%
HK$181,209
baseline
▲ 0.50% · 4.625%
HK$190,761
+HK$9,552/mo
Deposit HK$3.77M · loan HK$33.89M · min. income ≈ HK$362,418/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,600,165 · Scale 2, in force from 26 Feb 2026)