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$86,575
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$89,268
−HK$2,736/mo
Today · 4.125%
HK$92,004
baseline
▲ 0.50% · 4.625%
HK$97,602
+HK$5,598/mo
Deposit HK$18.98M · loan HK$18.98M · min. income ≈ HK$184,008/mo (50% DSR)
Upfront cash ≈ HK$20.60M (deposit + AVD stamp duty HK$1,613,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,314
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$98,897
−HK$2,621/mo
Today · 4.125%
HK$101,518
baseline
▲ 0.50% · 4.625%
HK$106,869
+HK$5,351/mo
Deposit HK$18.98M · loan HK$18.98M · min. income ≈ HK$203,036/mo (50% DSR)
Upfront cash ≈ HK$20.60M (deposit + AVD stamp duty HK$1,613,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,890
−HK$6,515/mo
▼ 0.25% · 3.875%
HK$107,122
−HK$3,283/mo
Today · 4.125%
HK$110,405
baseline
▲ 0.50% · 4.625%
HK$117,123
+HK$6,718/mo
Deposit HK$15.19M · loan HK$22.78M · min. income ≈ HK$220,810/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,613,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,577
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$118,676
−HK$3,145/mo
Today · 4.125%
HK$121,821
baseline
▲ 0.50% · 4.625%
HK$128,242
+HK$6,421/mo
Deposit HK$15.19M · loan HK$22.78M · min. income ≈ HK$243,642/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,613,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,205
−HK$7,601/mo
▼ 0.25% · 3.875%
HK$124,975
−HK$3,831/mo
Today · 4.125%
HK$128,806
baseline
▲ 0.50% · 4.625%
HK$136,643
+HK$7,837/mo
Deposit HK$11.39M · loan HK$26.58M · min. income ≈ HK$257,612/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,613,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,840
−HK$7,285/mo
▼ 0.25% · 3.875%
HK$138,456
−HK$3,669/mo
Today · 4.125%
HK$142,125
baseline
▲ 0.50% · 4.625%
HK$149,616
+HK$7,491/mo
Deposit HK$11.39M · loan HK$26.58M · min. income ≈ HK$284,250/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,613,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,835
−HK$9,772/mo
▼ 0.25% · 3.875%
HK$160,683
−HK$4,924/mo
Today · 4.125%
HK$165,607
baseline
▲ 0.50% · 4.625%
HK$175,684
+HK$10,077/mo
Deposit HK$3.80M · loan HK$34.17M · min. income ≈ HK$331,214/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,613,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,365
−HK$9,367/mo
▼ 0.25% · 3.875%
HK$178,015
−HK$4,717/mo
Today · 4.125%
HK$182,732
baseline
▲ 0.50% · 4.625%
HK$192,364
+HK$9,632/mo
Deposit HK$3.80M · loan HK$34.17M · min. income ≈ HK$365,464/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,613,610 · Scale 2, in force from 26 Feb 2026)