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$86,281
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$88,965
−HK$2,726/mo
Today · 4.125%
HK$91,691
baseline
▲ 0.50% · 4.625%
HK$97,271
+HK$5,580/mo
Deposit HK$18.92M · loan HK$18.92M · min. income ≈ HK$183,382/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,608,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,987
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,561
−HK$2,611/mo
Today · 4.125%
HK$101,172
baseline
▲ 0.50% · 4.625%
HK$106,505
+HK$5,333/mo
Deposit HK$18.92M · loan HK$18.92M · min. income ≈ HK$202,344/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,608,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,537
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$106,758
−HK$3,272/mo
Today · 4.125%
HK$110,030
baseline
▲ 0.50% · 4.625%
HK$116,725
+HK$6,695/mo
Deposit HK$15.14M · loan HK$22.70M · min. income ≈ HK$220,060/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,608,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,184
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$118,273
−HK$3,134/mo
Today · 4.125%
HK$121,407
baseline
▲ 0.50% · 4.625%
HK$127,806
+HK$6,399/mo
Deposit HK$15.14M · loan HK$22.70M · min. income ≈ HK$242,814/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,608,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,793
−HK$7,575/mo
▼ 0.25% · 3.875%
HK$124,551
−HK$3,817/mo
Today · 4.125%
HK$128,368
baseline
▲ 0.50% · 4.625%
HK$136,179
+HK$7,811/mo
Deposit HK$11.35M · loan HK$26.49M · min. income ≈ HK$256,736/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,608,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,381
−HK$7,260/mo
▼ 0.25% · 3.875%
HK$137,985
−HK$3,656/mo
Today · 4.125%
HK$141,641
baseline
▲ 0.50% · 4.625%
HK$149,108
+HK$7,467/mo
Deposit HK$11.35M · loan HK$26.49M · min. income ≈ HK$283,282/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,608,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,306
−HK$9,739/mo
▼ 0.25% · 3.875%
HK$160,136
−HK$4,909/mo
Today · 4.125%
HK$165,045
baseline
▲ 0.50% · 4.625%
HK$175,087
+HK$10,042/mo
Deposit HK$3.78M · loan HK$34.05M · min. income ≈ HK$330,090/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,608,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,776
−HK$9,334/mo
▼ 0.25% · 3.875%
HK$177,410
−HK$4,700/mo
Today · 4.125%
HK$182,110
baseline
▲ 0.50% · 4.625%
HK$191,710
+HK$9,600/mo
Deposit HK$3.78M · loan HK$34.05M · min. income ≈ HK$364,220/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,608,125 · Scale 2, in force from 26 Feb 2026)