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$86,062
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$88,739
−HK$2,720/mo
Today · 4.125%
HK$91,459
baseline
▲ 0.50% · 4.625%
HK$97,024
+HK$5,565/mo
Deposit HK$18.87M · loan HK$18.87M · min. income ≈ HK$182,918/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,604,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,744
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$98,311
−HK$2,605/mo
Today · 4.125%
HK$100,916
baseline
▲ 0.50% · 4.625%
HK$106,236
+HK$5,320/mo
Deposit HK$18.87M · loan HK$18.87M · min. income ≈ HK$201,832/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,604,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,275
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$106,487
−HK$3,264/mo
Today · 4.125%
HK$109,751
baseline
▲ 0.50% · 4.625%
HK$116,429
+HK$6,678/mo
Deposit HK$15.10M · loan HK$22.65M · min. income ≈ HK$219,502/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,604,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,892
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$117,974
−HK$3,126/mo
Today · 4.125%
HK$121,100
baseline
▲ 0.50% · 4.625%
HK$127,483
+HK$6,383/mo
Deposit HK$15.10M · loan HK$22.65M · min. income ≈ HK$242,200/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,604,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,487
−HK$7,556/mo
▼ 0.25% · 3.875%
HK$124,235
−HK$3,808/mo
Today · 4.125%
HK$128,043
baseline
▲ 0.50% · 4.625%
HK$135,834
+HK$7,791/mo
Deposit HK$11.32M · loan HK$26.42M · min. income ≈ HK$256,086/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,041
−HK$7,242/mo
▼ 0.25% · 3.875%
HK$137,636
−HK$3,647/mo
Today · 4.125%
HK$141,283
baseline
▲ 0.50% · 4.625%
HK$148,730
+HK$7,447/mo
Deposit HK$11.32M · loan HK$26.42M · min. income ≈ HK$282,566/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,912
−HK$9,715/mo
▼ 0.25% · 3.875%
HK$159,731
−HK$4,896/mo
Today · 4.125%
HK$164,627
baseline
▲ 0.50% · 4.625%
HK$174,644
+HK$10,017/mo
Deposit HK$3.77M · loan HK$33.97M · min. income ≈ HK$329,254/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,338
−HK$9,311/mo
▼ 0.25% · 3.875%
HK$176,960
−HK$4,689/mo
Today · 4.125%
HK$181,649
baseline
▲ 0.50% · 4.625%
HK$191,224
+HK$9,575/mo
Deposit HK$3.77M · loan HK$33.97M · min. income ≈ HK$363,298/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,054 · Scale 2, in force from 26 Feb 2026)