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$85,846
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$88,516
−HK$2,713/mo
Today · 4.125%
HK$91,229
baseline
▲ 0.50% · 4.625%
HK$96,780
+HK$5,551/mo
Deposit HK$18.82M · loan HK$18.82M · min. income ≈ HK$182,458/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,600,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,502
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$98,064
−HK$2,598/mo
Today · 4.125%
HK$100,662
baseline
▲ 0.50% · 4.625%
HK$105,968
+HK$5,306/mo
Deposit HK$18.82M · loan HK$18.82M · min. income ≈ HK$201,324/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,600,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,015
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$106,219
−HK$3,256/mo
Today · 4.125%
HK$109,475
baseline
▲ 0.50% · 4.625%
HK$116,136
+HK$6,661/mo
Deposit HK$15.06M · loan HK$22.59M · min. income ≈ HK$218,950/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,600,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,603
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$117,676
−HK$3,118/mo
Today · 4.125%
HK$120,794
baseline
▲ 0.50% · 4.625%
HK$127,162
+HK$6,368/mo
Deposit HK$15.06M · loan HK$22.59M · min. income ≈ HK$241,588/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,600,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,184
−HK$7,536/mo
▼ 0.25% · 3.875%
HK$123,922
−HK$3,798/mo
Today · 4.125%
HK$127,720
baseline
▲ 0.50% · 4.625%
HK$135,492
+HK$7,772/mo
Deposit HK$11.29M · loan HK$26.35M · min. income ≈ HK$255,440/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,600,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,703
−HK$7,224/mo
▼ 0.25% · 3.875%
HK$137,289
−HK$3,638/mo
Today · 4.125%
HK$140,927
baseline
▲ 0.50% · 4.625%
HK$148,355
+HK$7,428/mo
Deposit HK$11.29M · loan HK$26.35M · min. income ≈ HK$281,854/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,600,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,522
−HK$9,690/mo
▼ 0.25% · 3.875%
HK$159,329
−HK$4,883/mo
Today · 4.125%
HK$164,212
baseline
▲ 0.50% · 4.625%
HK$174,204
+HK$9,992/mo
Deposit HK$3.76M · loan HK$33.88M · min. income ≈ HK$328,424/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,600,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,904
−HK$9,288/mo
▼ 0.25% · 3.875%
HK$176,515
−HK$4,677/mo
Today · 4.125%
HK$181,192
baseline
▲ 0.50% · 4.625%
HK$190,742
+HK$9,550/mo
Deposit HK$3.76M · loan HK$33.88M · min. income ≈ HK$362,384/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,600,012 · Scale 2, in force from 26 Feb 2026)