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$85,941
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,614
−HK$2,716/mo
Today · 4.125%
HK$91,330
baseline
▲ 0.50% · 4.625%
HK$96,888
+HK$5,558/mo
Deposit HK$18.84M · loan HK$18.84M · min. income ≈ HK$182,660/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,601,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,609
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$98,173
−HK$2,601/mo
Today · 4.125%
HK$100,774
baseline
▲ 0.50% · 4.625%
HK$106,086
+HK$5,312/mo
Deposit HK$18.84M · loan HK$18.84M · min. income ≈ HK$201,548/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,601,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,129
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$106,337
−HK$3,260/mo
Today · 4.125%
HK$109,597
baseline
▲ 0.50% · 4.625%
HK$116,265
+HK$6,668/mo
Deposit HK$15.08M · loan HK$22.61M · min. income ≈ HK$219,194/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,601,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,730
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$117,808
−HK$3,121/mo
Today · 4.125%
HK$120,929
baseline
▲ 0.50% · 4.625%
HK$127,303
+HK$6,374/mo
Deposit HK$15.08M · loan HK$22.61M · min. income ≈ HK$241,858/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,601,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,318
−HK$7,545/mo
▼ 0.25% · 3.875%
HK$124,060
−HK$3,803/mo
Today · 4.125%
HK$127,863
baseline
▲ 0.50% · 4.625%
HK$135,643
+HK$7,780/mo
Deposit HK$11.31M · loan HK$26.38M · min. income ≈ HK$255,726/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,601,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,852
−HK$7,232/mo
▼ 0.25% · 3.875%
HK$137,442
−HK$3,642/mo
Today · 4.125%
HK$141,084
baseline
▲ 0.50% · 4.625%
HK$148,521
+HK$7,437/mo
Deposit HK$11.31M · loan HK$26.38M · min. income ≈ HK$282,168/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,601,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,694
−HK$9,701/mo
▼ 0.25% · 3.875%
HK$159,506
−HK$4,889/mo
Today · 4.125%
HK$164,395
baseline
▲ 0.50% · 4.625%
HK$174,398
+HK$10,003/mo
Deposit HK$3.77M · loan HK$33.92M · min. income ≈ HK$328,790/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,096
−HK$9,298/mo
▼ 0.25% · 3.875%
HK$176,711
−HK$4,683/mo
Today · 4.125%
HK$181,394
baseline
▲ 0.50% · 4.625%
HK$190,955
+HK$9,561/mo
Deposit HK$3.77M · loan HK$33.92M · min. income ≈ HK$362,788/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,795 · Scale 2, in force from 26 Feb 2026)