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$86,568
−HK$5,428/mo
▼ 0.25% · 3.875%
HK$89,261
−HK$2,735/mo
Today · 4.125%
HK$91,996
baseline
▲ 0.50% · 4.625%
HK$97,594
+HK$5,598/mo
Deposit HK$18.98M · loan HK$18.98M · min. income ≈ HK$183,992/mo (50% DSR)
Upfront cash ≈ HK$20.60M (deposit + AVD stamp duty HK$1,613,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,306
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$98,889
−HK$2,620/mo
Today · 4.125%
HK$101,509
baseline
▲ 0.50% · 4.625%
HK$106,860
+HK$5,351/mo
Deposit HK$18.98M · loan HK$18.98M · min. income ≈ HK$203,018/mo (50% DSR)
Upfront cash ≈ HK$20.60M (deposit + AVD stamp duty HK$1,613,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,881
−HK$6,515/mo
▼ 0.25% · 3.875%
HK$107,113
−HK$3,283/mo
Today · 4.125%
HK$110,396
baseline
▲ 0.50% · 4.625%
HK$117,113
+HK$6,717/mo
Deposit HK$15.19M · loan HK$22.78M · min. income ≈ HK$220,792/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,613,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,567
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$118,667
−HK$3,144/mo
Today · 4.125%
HK$121,811
baseline
▲ 0.50% · 4.625%
HK$128,232
+HK$6,421/mo
Deposit HK$15.19M · loan HK$22.78M · min. income ≈ HK$243,622/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,613,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,195
−HK$7,600/mo
▼ 0.25% · 3.875%
HK$124,965
−HK$3,830/mo
Today · 4.125%
HK$128,795
baseline
▲ 0.50% · 4.625%
HK$136,632
+HK$7,837/mo
Deposit HK$11.39M · loan HK$26.57M · min. income ≈ HK$257,590/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,613,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,828
−HK$7,285/mo
▼ 0.25% · 3.875%
HK$138,444
−HK$3,669/mo
Today · 4.125%
HK$142,113
baseline
▲ 0.50% · 4.625%
HK$149,604
+HK$7,491/mo
Deposit HK$11.39M · loan HK$26.57M · min. income ≈ HK$284,226/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,613,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,822
−HK$9,772/mo
▼ 0.25% · 3.875%
HK$160,669
−HK$4,925/mo
Today · 4.125%
HK$165,594
baseline
▲ 0.50% · 4.625%
HK$175,670
+HK$10,076/mo
Deposit HK$3.80M · loan HK$34.17M · min. income ≈ HK$331,188/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,613,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,351
−HK$9,365/mo
▼ 0.25% · 3.875%
HK$178,000
−HK$4,716/mo
Today · 4.125%
HK$182,716
baseline
▲ 0.50% · 4.625%
HK$192,348
+HK$9,632/mo
Deposit HK$3.80M · loan HK$34.17M · min. income ≈ HK$365,432/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,613,475 · Scale 2, in force from 26 Feb 2026)