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$86,077
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$88,755
−HK$2,720/mo
Today · 4.125%
HK$91,475
baseline
▲ 0.50% · 4.625%
HK$97,041
+HK$5,566/mo
Deposit HK$18.87M · loan HK$18.87M · min. income ≈ HK$182,950/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,604,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,760
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$98,328
−HK$2,606/mo
Today · 4.125%
HK$100,934
baseline
▲ 0.50% · 4.625%
HK$106,254
+HK$5,320/mo
Deposit HK$18.87M · loan HK$18.87M · min. income ≈ HK$201,868/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,604,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,293
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$106,506
−HK$3,264/mo
Today · 4.125%
HK$109,770
baseline
▲ 0.50% · 4.625%
HK$116,449
+HK$6,679/mo
Deposit HK$15.10M · loan HK$22.65M · min. income ≈ HK$219,540/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,604,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,912
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$117,994
−HK$3,126/mo
Today · 4.125%
HK$121,120
baseline
▲ 0.50% · 4.625%
HK$127,505
+HK$6,385/mo
Deposit HK$15.10M · loan HK$22.65M · min. income ≈ HK$242,240/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,604,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,508
−HK$7,557/mo
▼ 0.25% · 3.875%
HK$124,257
−HK$3,808/mo
Today · 4.125%
HK$128,065
baseline
▲ 0.50% · 4.625%
HK$135,858
+HK$7,793/mo
Deposit HK$11.32M · loan HK$26.42M · min. income ≈ HK$256,130/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,064
−HK$7,243/mo
▼ 0.25% · 3.875%
HK$137,660
−HK$3,647/mo
Today · 4.125%
HK$141,307
baseline
▲ 0.50% · 4.625%
HK$148,756
+HK$7,449/mo
Deposit HK$11.32M · loan HK$26.42M · min. income ≈ HK$282,614/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,939
−HK$9,716/mo
▼ 0.25% · 3.875%
HK$159,759
−HK$4,896/mo
Today · 4.125%
HK$164,655
baseline
▲ 0.50% · 4.625%
HK$174,674
+HK$10,019/mo
Deposit HK$3.77M · loan HK$33.97M · min. income ≈ HK$329,310/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,368
−HK$9,313/mo
▼ 0.25% · 3.875%
HK$176,991
−HK$4,690/mo
Today · 4.125%
HK$181,681
baseline
▲ 0.50% · 4.625%
HK$191,257
+HK$9,576/mo
Deposit HK$3.77M · loan HK$33.97M · min. income ≈ HK$363,362/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,331 · Scale 2, in force from 26 Feb 2026)