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$86,617
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$89,311
−HK$2,738/mo
Today · 4.125%
HK$92,049
baseline
▲ 0.50% · 4.625%
HK$97,650
+HK$5,601/mo
Deposit HK$18.99M · loan HK$18.99M · min. income ≈ HK$184,098/mo (50% DSR)
Upfront cash ≈ HK$20.61M (deposit + AVD stamp duty HK$1,614,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,360
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$98,945
−HK$2,622/mo
Today · 4.125%
HK$101,567
baseline
▲ 0.50% · 4.625%
HK$106,920
+HK$5,353/mo
Deposit HK$18.99M · loan HK$18.99M · min. income ≈ HK$203,134/mo (50% DSR)
Upfront cash ≈ HK$20.61M (deposit + AVD stamp duty HK$1,614,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,940
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$107,173
−HK$3,285/mo
Today · 4.125%
HK$110,458
baseline
▲ 0.50% · 4.625%
HK$117,179
+HK$6,721/mo
Deposit HK$15.19M · loan HK$22.79M · min. income ≈ HK$220,916/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,614,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,633
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$118,734
−HK$3,146/mo
Today · 4.125%
HK$121,880
baseline
▲ 0.50% · 4.625%
HK$128,304
+HK$6,424/mo
Deposit HK$15.19M · loan HK$22.79M · min. income ≈ HK$243,760/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,614,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,264
−HK$7,604/mo
▼ 0.25% · 3.875%
HK$125,036
−HK$3,832/mo
Today · 4.125%
HK$128,868
baseline
▲ 0.50% · 4.625%
HK$136,709
+HK$7,841/mo
Deposit HK$11.40M · loan HK$26.59M · min. income ≈ HK$257,736/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,614,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,905
−HK$7,288/mo
▼ 0.25% · 3.875%
HK$138,523
−HK$3,670/mo
Today · 4.125%
HK$142,193
baseline
▲ 0.50% · 4.625%
HK$149,688
+HK$7,495/mo
Deposit HK$11.40M · loan HK$26.59M · min. income ≈ HK$284,386/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,614,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,910
−HK$9,777/mo
▼ 0.25% · 3.875%
HK$160,760
−HK$4,927/mo
Today · 4.125%
HK$165,687
baseline
▲ 0.50% · 4.625%
HK$175,769
+HK$10,082/mo
Deposit HK$3.80M · loan HK$34.19M · min. income ≈ HK$331,374/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,614,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,449
−HK$9,371/mo
▼ 0.25% · 3.875%
HK$178,101
−HK$4,719/mo
Today · 4.125%
HK$182,820
baseline
▲ 0.50% · 4.625%
HK$192,456
+HK$9,636/mo
Deposit HK$3.80M · loan HK$34.19M · min. income ≈ HK$365,640/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,614,389 · Scale 2, in force from 26 Feb 2026)