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$86,593
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$89,286
−HK$2,737/mo
Today · 4.125%
HK$92,023
baseline
▲ 0.50% · 4.625%
HK$97,622
+HK$5,599/mo
Deposit HK$18.99M · loan HK$18.99M · min. income ≈ HK$184,046/mo (50% DSR)
Upfront cash ≈ HK$20.60M (deposit + AVD stamp duty HK$1,613,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,334
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$98,917
−HK$2,621/mo
Today · 4.125%
HK$101,538
baseline
▲ 0.50% · 4.625%
HK$106,891
+HK$5,353/mo
Deposit HK$18.99M · loan HK$18.99M · min. income ≈ HK$203,076/mo (50% DSR)
Upfront cash ≈ HK$20.60M (deposit + AVD stamp duty HK$1,613,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,911
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$107,144
−HK$3,284/mo
Today · 4.125%
HK$110,428
baseline
▲ 0.50% · 4.625%
HK$117,147
+HK$6,719/mo
Deposit HK$15.19M · loan HK$22.79M · min. income ≈ HK$220,856/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,613,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,600
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$118,701
−HK$3,145/mo
Today · 4.125%
HK$121,846
baseline
▲ 0.50% · 4.625%
HK$128,269
+HK$6,423/mo
Deposit HK$15.19M · loan HK$22.79M · min. income ≈ HK$243,692/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,613,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,230
−HK$7,602/mo
▼ 0.25% · 3.875%
HK$125,001
−HK$3,831/mo
Today · 4.125%
HK$128,832
baseline
▲ 0.50% · 4.625%
HK$136,671
+HK$7,839/mo
Deposit HK$11.39M · loan HK$26.58M · min. income ≈ HK$257,664/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,613,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,867
−HK$7,287/mo
▼ 0.25% · 3.875%
HK$138,484
−HK$3,670/mo
Today · 4.125%
HK$142,154
baseline
▲ 0.50% · 4.625%
HK$149,647
+HK$7,493/mo
Deposit HK$11.39M · loan HK$26.58M · min. income ≈ HK$284,308/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,613,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,867
−HK$9,774/mo
▼ 0.25% · 3.875%
HK$160,715
−HK$4,926/mo
Today · 4.125%
HK$165,641
baseline
▲ 0.50% · 4.625%
HK$175,720
+HK$10,079/mo
Deposit HK$3.80M · loan HK$34.18M · min. income ≈ HK$331,282/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,613,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,401
−HK$9,368/mo
▼ 0.25% · 3.875%
HK$178,051
−HK$4,718/mo
Today · 4.125%
HK$182,769
baseline
▲ 0.50% · 4.625%
HK$192,403
+HK$9,634/mo
Deposit HK$3.80M · loan HK$34.18M · min. income ≈ HK$365,538/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,613,940 · Scale 2, in force from 26 Feb 2026)