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$86,066
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$88,743
−HK$2,720/mo
Today · 4.125%
HK$91,463
baseline
▲ 0.50% · 4.625%
HK$97,028
+HK$5,565/mo
Deposit HK$18.87M · loan HK$18.87M · min. income ≈ HK$182,926/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,604,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,747
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$98,315
−HK$2,605/mo
Today · 4.125%
HK$100,920
baseline
▲ 0.50% · 4.625%
HK$106,240
+HK$5,320/mo
Deposit HK$18.87M · loan HK$18.87M · min. income ≈ HK$201,840/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,604,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,279
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$106,492
−HK$3,264/mo
Today · 4.125%
HK$109,756
baseline
▲ 0.50% · 4.625%
HK$116,434
+HK$6,678/mo
Deposit HK$15.10M · loan HK$22.65M · min. income ≈ HK$219,512/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,604,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,897
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$117,978
−HK$3,126/mo
Today · 4.125%
HK$121,104
baseline
▲ 0.50% · 4.625%
HK$127,488
+HK$6,384/mo
Deposit HK$15.10M · loan HK$22.65M · min. income ≈ HK$242,208/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,604,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,492
−HK$7,556/mo
▼ 0.25% · 3.875%
HK$124,240
−HK$3,808/mo
Today · 4.125%
HK$128,048
baseline
▲ 0.50% · 4.625%
HK$135,840
+HK$7,792/mo
Deposit HK$11.32M · loan HK$26.42M · min. income ≈ HK$256,096/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,046
−HK$7,243/mo
▼ 0.25% · 3.875%
HK$137,641
−HK$3,648/mo
Today · 4.125%
HK$141,289
baseline
▲ 0.50% · 4.625%
HK$148,736
+HK$7,447/mo
Deposit HK$11.32M · loan HK$26.42M · min. income ≈ HK$282,578/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,919
−HK$9,714/mo
▼ 0.25% · 3.875%
HK$159,737
−HK$4,896/mo
Today · 4.125%
HK$164,633
baseline
▲ 0.50% · 4.625%
HK$174,651
+HK$10,018/mo
Deposit HK$3.77M · loan HK$33.97M · min. income ≈ HK$329,266/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,345
−HK$9,312/mo
▼ 0.25% · 3.875%
HK$176,968
−HK$4,689/mo
Today · 4.125%
HK$181,657
baseline
▲ 0.50% · 4.625%
HK$191,232
+HK$9,575/mo
Deposit HK$3.77M · loan HK$33.97M · min. income ≈ HK$363,314/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,119 · Scale 2, in force from 26 Feb 2026)