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$86,081
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$88,758
−HK$2,721/mo
Today · 4.125%
HK$91,479
baseline
▲ 0.50% · 4.625%
HK$97,045
+HK$5,566/mo
Deposit HK$18.88M · loan HK$18.88M · min. income ≈ HK$182,958/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,604,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,764
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$98,332
−HK$2,606/mo
Today · 4.125%
HK$100,938
baseline
▲ 0.50% · 4.625%
HK$106,258
+HK$5,320/mo
Deposit HK$18.88M · loan HK$18.88M · min. income ≈ HK$201,876/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,604,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,297
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$106,510
−HK$3,265/mo
Today · 4.125%
HK$109,775
baseline
▲ 0.50% · 4.625%
HK$116,454
+HK$6,679/mo
Deposit HK$15.10M · loan HK$22.65M · min. income ≈ HK$219,550/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,604,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,917
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$117,999
−HK$3,126/mo
Today · 4.125%
HK$121,125
baseline
▲ 0.50% · 4.625%
HK$127,510
+HK$6,385/mo
Deposit HK$15.10M · loan HK$22.65M · min. income ≈ HK$242,250/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,604,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,513
−HK$7,557/mo
▼ 0.25% · 3.875%
HK$124,262
−HK$3,808/mo
Today · 4.125%
HK$128,070
baseline
▲ 0.50% · 4.625%
HK$135,863
+HK$7,793/mo
Deposit HK$11.33M · loan HK$26.43M · min. income ≈ HK$256,140/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,070
−HK$7,243/mo
▼ 0.25% · 3.875%
HK$137,665
−HK$3,648/mo
Today · 4.125%
HK$141,313
baseline
▲ 0.50% · 4.625%
HK$148,762
+HK$7,449/mo
Deposit HK$11.33M · loan HK$26.43M · min. income ≈ HK$282,626/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,945
−HK$9,717/mo
▼ 0.25% · 3.875%
HK$159,765
−HK$4,897/mo
Today · 4.125%
HK$164,662
baseline
▲ 0.50% · 4.625%
HK$174,681
+HK$10,019/mo
Deposit HK$3.78M · loan HK$33.98M · min. income ≈ HK$329,324/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,375
−HK$9,313/mo
▼ 0.25% · 3.875%
HK$176,998
−HK$4,690/mo
Today · 4.125%
HK$181,688
baseline
▲ 0.50% · 4.625%
HK$191,265
+HK$9,577/mo
Deposit HK$3.78M · loan HK$33.98M · min. income ≈ HK$363,376/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,395 · Scale 2, in force from 26 Feb 2026)