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$86,054
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$88,730
−HK$2,720/mo
Today · 4.125%
HK$91,450
baseline
▲ 0.50% · 4.625%
HK$97,014
+HK$5,564/mo
Deposit HK$18.87M · loan HK$18.87M · min. income ≈ HK$182,900/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,603,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,734
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$98,301
−HK$2,605/mo
Today · 4.125%
HK$100,906
baseline
▲ 0.50% · 4.625%
HK$106,225
+HK$5,319/mo
Deposit HK$18.87M · loan HK$18.87M · min. income ≈ HK$201,812/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,603,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,264
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$106,476
−HK$3,264/mo
Today · 4.125%
HK$109,740
baseline
▲ 0.50% · 4.625%
HK$116,417
+HK$6,677/mo
Deposit HK$15.10M · loan HK$22.64M · min. income ≈ HK$219,480/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,603,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,880
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$117,961
−HK$3,126/mo
Today · 4.125%
HK$121,087
baseline
▲ 0.50% · 4.625%
HK$127,470
+HK$6,383/mo
Deposit HK$15.10M · loan HK$22.64M · min. income ≈ HK$242,174/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,603,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,475
−HK$7,555/mo
▼ 0.25% · 3.875%
HK$124,222
−HK$3,808/mo
Today · 4.125%
HK$128,030
baseline
▲ 0.50% · 4.625%
HK$135,820
+HK$7,790/mo
Deposit HK$11.32M · loan HK$26.42M · min. income ≈ HK$256,060/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,603,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,027
−HK$7,241/mo
▼ 0.25% · 3.875%
HK$137,622
−HK$3,646/mo
Today · 4.125%
HK$141,268
baseline
▲ 0.50% · 4.625%
HK$148,715
+HK$7,447/mo
Deposit HK$11.32M · loan HK$26.42M · min. income ≈ HK$282,536/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,603,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,896
−HK$9,714/mo
▼ 0.25% · 3.875%
HK$159,715
−HK$4,895/mo
Today · 4.125%
HK$164,610
baseline
▲ 0.50% · 4.625%
HK$174,626
+HK$10,016/mo
Deposit HK$3.77M · loan HK$33.96M · min. income ≈ HK$329,220/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,603,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,321
−HK$9,310/mo
▼ 0.25% · 3.875%
HK$176,942
−HK$4,689/mo
Today · 4.125%
HK$181,631
baseline
▲ 0.50% · 4.625%
HK$191,205
+HK$9,574/mo
Deposit HK$3.77M · loan HK$33.96M · min. income ≈ HK$363,262/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,603,888 · Scale 2, in force from 26 Feb 2026)