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$86,466
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$89,155
−HK$2,733/mo
Today · 4.125%
HK$91,888
baseline
▲ 0.50% · 4.625%
HK$97,479
+HK$5,591/mo
Deposit HK$18.96M · loan HK$18.96M · min. income ≈ HK$183,776/mo (50% DSR)
Upfront cash ≈ HK$20.57M (deposit + AVD stamp duty HK$1,611,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,192
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$98,772
−HK$2,617/mo
Today · 4.125%
HK$101,389
baseline
▲ 0.50% · 4.625%
HK$106,734
+HK$5,345/mo
Deposit HK$18.96M · loan HK$18.96M · min. income ≈ HK$202,778/mo (50% DSR)
Upfront cash ≈ HK$20.57M (deposit + AVD stamp duty HK$1,611,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,759
−HK$6,506/mo
▼ 0.25% · 3.875%
HK$106,986
−HK$3,279/mo
Today · 4.125%
HK$110,265
baseline
▲ 0.50% · 4.625%
HK$116,975
+HK$6,710/mo
Deposit HK$15.17M · loan HK$22.75M · min. income ≈ HK$220,530/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,611,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,431
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$118,527
−HK$3,140/mo
Today · 4.125%
HK$121,667
baseline
▲ 0.50% · 4.625%
HK$128,080
+HK$6,413/mo
Deposit HK$15.17M · loan HK$22.75M · min. income ≈ HK$243,334/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,611,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,052
−HK$7,591/mo
▼ 0.25% · 3.875%
HK$124,817
−HK$3,826/mo
Today · 4.125%
HK$128,643
baseline
▲ 0.50% · 4.625%
HK$136,471
+HK$7,828/mo
Deposit HK$11.38M · loan HK$26.54M · min. income ≈ HK$257,286/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,611,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,669
−HK$7,276/mo
▼ 0.25% · 3.875%
HK$138,281
−HK$3,664/mo
Today · 4.125%
HK$141,945
baseline
▲ 0.50% · 4.625%
HK$149,427
+HK$7,482/mo
Deposit HK$11.38M · loan HK$26.54M · min. income ≈ HK$283,890/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,611,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,638
−HK$9,760/mo
▼ 0.25% · 3.875%
HK$160,480
−HK$4,918/mo
Today · 4.125%
HK$165,398
baseline
▲ 0.50% · 4.625%
HK$175,462
+HK$10,064/mo
Deposit HK$3.79M · loan HK$34.13M · min. income ≈ HK$330,796/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,611,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,146
−HK$9,355/mo
▼ 0.25% · 3.875%
HK$177,790
−HK$4,711/mo
Today · 4.125%
HK$182,501
baseline
▲ 0.50% · 4.625%
HK$192,120
+HK$9,619/mo
Deposit HK$3.79M · loan HK$34.13M · min. income ≈ HK$365,002/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,611,571 · Scale 2, in force from 26 Feb 2026)