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$86,061
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$88,738
−HK$2,720/mo
Today · 4.125%
HK$91,458
baseline
▲ 0.50% · 4.625%
HK$97,023
+HK$5,565/mo
Deposit HK$18.87M · loan HK$18.87M · min. income ≈ HK$182,916/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,604,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,742
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$98,310
−HK$2,605/mo
Today · 4.125%
HK$100,915
baseline
▲ 0.50% · 4.625%
HK$106,234
+HK$5,319/mo
Deposit HK$18.87M · loan HK$18.87M · min. income ≈ HK$201,830/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,604,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,273
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$106,486
−HK$3,263/mo
Today · 4.125%
HK$109,749
baseline
▲ 0.50% · 4.625%
HK$116,427
+HK$6,678/mo
Deposit HK$15.10M · loan HK$22.65M · min. income ≈ HK$219,498/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,604,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,890
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$117,972
−HK$3,126/mo
Today · 4.125%
HK$121,098
baseline
▲ 0.50% · 4.625%
HK$127,481
+HK$6,383/mo
Deposit HK$15.10M · loan HK$22.65M · min. income ≈ HK$242,196/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,604,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,485
−HK$7,556/mo
▼ 0.25% · 3.875%
HK$124,233
−HK$3,808/mo
Today · 4.125%
HK$128,041
baseline
▲ 0.50% · 4.625%
HK$135,832
+HK$7,791/mo
Deposit HK$11.32M · loan HK$26.42M · min. income ≈ HK$256,082/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,039
−HK$7,242/mo
▼ 0.25% · 3.875%
HK$137,634
−HK$3,647/mo
Today · 4.125%
HK$141,281
baseline
▲ 0.50% · 4.625%
HK$148,728
+HK$7,447/mo
Deposit HK$11.32M · loan HK$26.42M · min. income ≈ HK$282,562/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,910
−HK$9,714/mo
▼ 0.25% · 3.875%
HK$159,728
−HK$4,896/mo
Today · 4.125%
HK$164,624
baseline
▲ 0.50% · 4.625%
HK$174,641
+HK$10,017/mo
Deposit HK$3.77M · loan HK$33.97M · min. income ≈ HK$329,248/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,336
−HK$9,310/mo
▼ 0.25% · 3.875%
HK$176,958
−HK$4,688/mo
Today · 4.125%
HK$181,646
baseline
▲ 0.50% · 4.625%
HK$191,221
+HK$9,575/mo
Deposit HK$3.77M · loan HK$33.97M · min. income ≈ HK$363,292/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,028 · Scale 2, in force from 26 Feb 2026)