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$85,679
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$88,344
−HK$2,708/mo
Today · 4.125%
HK$91,052
baseline
▲ 0.50% · 4.625%
HK$96,592
+HK$5,540/mo
Deposit HK$18.79M · loan HK$18.79M · min. income ≈ HK$182,104/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,596,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,317
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$97,873
−HK$2,593/mo
Today · 4.125%
HK$100,466
baseline
▲ 0.50% · 4.625%
HK$105,762
+HK$5,296/mo
Deposit HK$18.79M · loan HK$18.79M · min. income ≈ HK$200,932/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,596,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,814
−HK$6,448/mo
▼ 0.25% · 3.875%
HK$106,013
−HK$3,249/mo
Today · 4.125%
HK$109,262
baseline
▲ 0.50% · 4.625%
HK$115,910
+HK$6,648/mo
Deposit HK$15.03M · loan HK$22.54M · min. income ≈ HK$218,524/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,596,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,380
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$117,448
−HK$3,112/mo
Today · 4.125%
HK$120,560
baseline
▲ 0.50% · 4.625%
HK$126,915
+HK$6,355/mo
Deposit HK$15.03M · loan HK$22.54M · min. income ≈ HK$241,120/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,596,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,950
−HK$7,522/mo
▼ 0.25% · 3.875%
HK$123,681
−HK$3,791/mo
Today · 4.125%
HK$127,472
baseline
▲ 0.50% · 4.625%
HK$135,229
+HK$7,757/mo
Deposit HK$11.27M · loan HK$26.30M · min. income ≈ HK$254,944/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,596,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,443
−HK$7,210/mo
▼ 0.25% · 3.875%
HK$137,022
−HK$3,631/mo
Today · 4.125%
HK$140,653
baseline
▲ 0.50% · 4.625%
HK$148,067
+HK$7,414/mo
Deposit HK$11.27M · loan HK$26.30M · min. income ≈ HK$281,306/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,596,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,222
−HK$9,671/mo
▼ 0.25% · 3.875%
HK$159,019
−HK$4,874/mo
Today · 4.125%
HK$163,893
baseline
▲ 0.50% · 4.625%
HK$173,865
+HK$9,972/mo
Deposit HK$3.76M · loan HK$33.82M · min. income ≈ HK$327,786/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,596,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,570
−HK$9,270/mo
▼ 0.25% · 3.875%
HK$176,172
−HK$4,668/mo
Today · 4.125%
HK$180,840
baseline
▲ 0.50% · 4.625%
HK$190,372
+HK$9,532/mo
Deposit HK$3.76M · loan HK$33.82M · min. income ≈ HK$361,680/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,596,902 · Scale 2, in force from 26 Feb 2026)