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$86,232
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$88,914
−HK$2,725/mo
Today · 4.125%
HK$91,639
baseline
▲ 0.50% · 4.625%
HK$97,215
+HK$5,576/mo
Deposit HK$18.91M · loan HK$18.91M · min. income ≈ HK$183,278/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$1,607,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,932
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$98,505
−HK$2,610/mo
Today · 4.125%
HK$101,115
baseline
▲ 0.50% · 4.625%
HK$106,445
+HK$5,330/mo
Deposit HK$18.91M · loan HK$18.91M · min. income ≈ HK$202,230/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$1,607,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,478
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$106,697
−HK$3,270/mo
Today · 4.125%
HK$109,967
baseline
▲ 0.50% · 4.625%
HK$116,658
+HK$6,691/mo
Deposit HK$15.13M · loan HK$22.69M · min. income ≈ HK$219,934/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,607,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,118
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$118,206
−HK$3,132/mo
Today · 4.125%
HK$121,338
baseline
▲ 0.50% · 4.625%
HK$127,734
+HK$6,396/mo
Deposit HK$15.13M · loan HK$22.69M · min. income ≈ HK$242,676/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,607,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,725
−HK$7,570/mo
▼ 0.25% · 3.875%
HK$124,480
−HK$3,815/mo
Today · 4.125%
HK$128,295
baseline
▲ 0.50% · 4.625%
HK$136,101
+HK$7,806/mo
Deposit HK$11.35M · loan HK$26.47M · min. income ≈ HK$256,590/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,607,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,305
−HK$7,256/mo
▼ 0.25% · 3.875%
HK$137,907
−HK$3,654/mo
Today · 4.125%
HK$141,561
baseline
▲ 0.50% · 4.625%
HK$149,023
+HK$7,462/mo
Deposit HK$11.35M · loan HK$26.47M · min. income ≈ HK$283,122/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,607,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,217
−HK$9,734/mo
▼ 0.25% · 3.875%
HK$160,045
−HK$4,906/mo
Today · 4.125%
HK$164,951
baseline
▲ 0.50% · 4.625%
HK$174,988
+HK$10,037/mo
Deposit HK$3.78M · loan HK$34.04M · min. income ≈ HK$329,902/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,607,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,678
−HK$9,329/mo
▼ 0.25% · 3.875%
HK$177,309
−HK$4,698/mo
Today · 4.125%
HK$182,007
baseline
▲ 0.50% · 4.625%
HK$191,601
+HK$9,594/mo
Deposit HK$3.78M · loan HK$34.04M · min. income ≈ HK$364,014/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,607,211 · Scale 2, in force from 26 Feb 2026)