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$86,499
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$89,189
−HK$2,734/mo
Today · 4.125%
HK$91,923
baseline
▲ 0.50% · 4.625%
HK$97,516
+HK$5,593/mo
Deposit HK$18.97M · loan HK$18.97M · min. income ≈ HK$183,846/mo (50% DSR)
Upfront cash ≈ HK$20.58M (deposit + AVD stamp duty HK$1,612,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,229
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$98,810
−HK$2,618/mo
Today · 4.125%
HK$101,428
baseline
▲ 0.50% · 4.625%
HK$106,774
+HK$5,346/mo
Deposit HK$18.97M · loan HK$18.97M · min. income ≈ HK$202,856/mo (50% DSR)
Upfront cash ≈ HK$20.58M (deposit + AVD stamp duty HK$1,612,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,798
−HK$6,509/mo
▼ 0.25% · 3.875%
HK$107,027
−HK$3,280/mo
Today · 4.125%
HK$110,307
baseline
▲ 0.50% · 4.625%
HK$117,019
+HK$6,712/mo
Deposit HK$15.17M · loan HK$22.76M · min. income ≈ HK$220,614/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,612,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,474
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$118,571
−HK$3,142/mo
Today · 4.125%
HK$121,713
baseline
▲ 0.50% · 4.625%
HK$128,129
+HK$6,416/mo
Deposit HK$15.17M · loan HK$22.76M · min. income ≈ HK$243,426/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,612,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,098
−HK$7,594/mo
▼ 0.25% · 3.875%
HK$124,865
−HK$3,827/mo
Today · 4.125%
HK$128,692
baseline
▲ 0.50% · 4.625%
HK$136,522
+HK$7,830/mo
Deposit HK$11.38M · loan HK$26.55M · min. income ≈ HK$257,384/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,612,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,720
−HK$7,279/mo
▼ 0.25% · 3.875%
HK$138,333
−HK$3,666/mo
Today · 4.125%
HK$141,999
baseline
▲ 0.50% · 4.625%
HK$149,484
+HK$7,485/mo
Deposit HK$11.38M · loan HK$26.55M · min. income ≈ HK$283,998/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,612,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,697
−HK$9,764/mo
▼ 0.25% · 3.875%
HK$160,540
−HK$4,921/mo
Today · 4.125%
HK$165,461
baseline
▲ 0.50% · 4.625%
HK$175,529
+HK$10,068/mo
Deposit HK$3.79M · loan HK$34.14M · min. income ≈ HK$330,922/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,612,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,212
−HK$9,358/mo
▼ 0.25% · 3.875%
HK$177,857
−HK$4,713/mo
Today · 4.125%
HK$182,570
baseline
▲ 0.50% · 4.625%
HK$192,193
+HK$9,623/mo
Deposit HK$3.79M · loan HK$34.14M · min. income ≈ HK$365,140/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,612,182 · Scale 2, in force from 26 Feb 2026)