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$86,105
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$88,783
−HK$2,721/mo
Today · 4.125%
HK$91,504
baseline
▲ 0.50% · 4.625%
HK$97,072
+HK$5,568/mo
Deposit HK$18.88M · loan HK$18.88M · min. income ≈ HK$183,008/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$1,604,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,791
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$98,360
−HK$2,606/mo
Today · 4.125%
HK$100,966
baseline
▲ 0.50% · 4.625%
HK$106,288
+HK$5,322/mo
Deposit HK$18.88M · loan HK$18.88M · min. income ≈ HK$201,932/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$1,604,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,326
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$106,540
−HK$3,265/mo
Today · 4.125%
HK$109,805
baseline
▲ 0.50% · 4.625%
HK$116,487
+HK$6,682/mo
Deposit HK$15.10M · loan HK$22.66M · min. income ≈ HK$219,610/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,604,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,949
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$118,032
−HK$3,127/mo
Today · 4.125%
HK$121,159
baseline
▲ 0.50% · 4.625%
HK$127,546
+HK$6,387/mo
Deposit HK$15.10M · loan HK$22.66M · min. income ≈ HK$242,318/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,604,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,547
−HK$7,559/mo
▼ 0.25% · 3.875%
HK$124,296
−HK$3,810/mo
Today · 4.125%
HK$128,106
baseline
▲ 0.50% · 4.625%
HK$135,901
+HK$7,795/mo
Deposit HK$11.33M · loan HK$26.43M · min. income ≈ HK$256,212/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,107
−HK$7,245/mo
▼ 0.25% · 3.875%
HK$137,704
−HK$3,648/mo
Today · 4.125%
HK$141,352
baseline
▲ 0.50% · 4.625%
HK$148,803
+HK$7,451/mo
Deposit HK$11.33M · loan HK$26.43M · min. income ≈ HK$282,704/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,989
−HK$9,719/mo
▼ 0.25% · 3.875%
HK$159,810
−HK$4,898/mo
Today · 4.125%
HK$164,708
baseline
▲ 0.50% · 4.625%
HK$174,730
+HK$10,022/mo
Deposit HK$3.78M · loan HK$33.98M · min. income ≈ HK$329,416/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,423
−HK$9,316/mo
▼ 0.25% · 3.875%
HK$177,048
−HK$4,691/mo
Today · 4.125%
HK$181,739
baseline
▲ 0.50% · 4.625%
HK$191,319
+HK$9,580/mo
Deposit HK$3.78M · loan HK$33.98M · min. income ≈ HK$363,478/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,845 · Scale 2, in force from 26 Feb 2026)