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$85,689
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$88,354
−HK$2,708/mo
Today · 4.125%
HK$91,062
baseline
▲ 0.50% · 4.625%
HK$96,603
+HK$5,541/mo
Deposit HK$18.79M · loan HK$18.79M · min. income ≈ HK$182,124/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,597,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,328
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$97,885
−HK$2,593/mo
Today · 4.125%
HK$100,478
baseline
▲ 0.50% · 4.625%
HK$105,775
+HK$5,297/mo
Deposit HK$18.79M · loan HK$18.79M · min. income ≈ HK$200,956/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,597,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,827
−HK$6,448/mo
▼ 0.25% · 3.875%
HK$106,025
−HK$3,250/mo
Today · 4.125%
HK$109,275
baseline
▲ 0.50% · 4.625%
HK$115,924
+HK$6,649/mo
Deposit HK$15.03M · loan HK$22.55M · min. income ≈ HK$218,550/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,597,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,394
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$117,462
−HK$3,112/mo
Today · 4.125%
HK$120,574
baseline
▲ 0.50% · 4.625%
HK$126,930
+HK$6,356/mo
Deposit HK$15.03M · loan HK$22.55M · min. income ≈ HK$241,148/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,597,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,965
−HK$7,522/mo
▼ 0.25% · 3.875%
HK$123,696
−HK$3,791/mo
Today · 4.125%
HK$127,487
baseline
▲ 0.50% · 4.625%
HK$135,245
+HK$7,758/mo
Deposit HK$11.27M · loan HK$26.31M · min. income ≈ HK$254,974/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,597,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,459
−HK$7,211/mo
▼ 0.25% · 3.875%
HK$137,039
−HK$3,631/mo
Today · 4.125%
HK$140,670
baseline
▲ 0.50% · 4.625%
HK$148,085
+HK$7,415/mo
Deposit HK$11.27M · loan HK$26.31M · min. income ≈ HK$281,340/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,597,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,240
−HK$9,672/mo
▼ 0.25% · 3.875%
HK$159,038
−HK$4,874/mo
Today · 4.125%
HK$163,912
baseline
▲ 0.50% · 4.625%
HK$173,886
+HK$9,974/mo
Deposit HK$3.76M · loan HK$33.82M · min. income ≈ HK$327,824/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,597,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,591
−HK$9,270/mo
▼ 0.25% · 3.875%
HK$176,193
−HK$4,668/mo
Today · 4.125%
HK$180,861
baseline
▲ 0.50% · 4.625%
HK$190,395
+HK$9,534/mo
Deposit HK$3.76M · loan HK$33.82M · min. income ≈ HK$361,722/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,597,094 · Scale 2, in force from 26 Feb 2026)