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$86,262
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$88,945
−HK$2,727/mo
Today · 4.125%
HK$91,672
baseline
▲ 0.50% · 4.625%
HK$97,249
+HK$5,577/mo
Deposit HK$18.92M · loan HK$18.92M · min. income ≈ HK$183,344/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$1,607,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,966
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$98,539
−HK$2,611/mo
Today · 4.125%
HK$101,150
baseline
▲ 0.50% · 4.625%
HK$106,482
+HK$5,332/mo
Deposit HK$18.92M · loan HK$18.92M · min. income ≈ HK$202,300/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$1,607,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,515
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$106,734
−HK$3,272/mo
Today · 4.125%
HK$110,006
baseline
▲ 0.50% · 4.625%
HK$116,699
+HK$6,693/mo
Deposit HK$15.13M · loan HK$22.70M · min. income ≈ HK$220,012/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,607,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,159
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$118,247
−HK$3,134/mo
Today · 4.125%
HK$121,381
baseline
▲ 0.50% · 4.625%
HK$127,779
+HK$6,398/mo
Deposit HK$15.13M · loan HK$22.70M · min. income ≈ HK$242,762/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,607,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,767
−HK$7,573/mo
▼ 0.25% · 3.875%
HK$124,523
−HK$3,817/mo
Today · 4.125%
HK$128,340
baseline
▲ 0.50% · 4.625%
HK$136,149
+HK$7,809/mo
Deposit HK$11.35M · loan HK$26.48M · min. income ≈ HK$256,680/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,607,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,352
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$137,955
−HK$3,656/mo
Today · 4.125%
HK$141,611
baseline
▲ 0.50% · 4.625%
HK$149,075
+HK$7,464/mo
Deposit HK$11.35M · loan HK$26.48M · min. income ≈ HK$283,222/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,607,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,272
−HK$9,737/mo
▼ 0.25% · 3.875%
HK$160,102
−HK$4,907/mo
Today · 4.125%
HK$165,009
baseline
▲ 0.50% · 4.625%
HK$175,049
+HK$10,040/mo
Deposit HK$3.78M · loan HK$34.05M · min. income ≈ HK$330,018/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,607,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,738
−HK$9,333/mo
▼ 0.25% · 3.875%
HK$177,371
−HK$4,700/mo
Today · 4.125%
HK$182,071
baseline
▲ 0.50% · 4.625%
HK$191,668
+HK$9,597/mo
Deposit HK$3.78M · loan HK$34.05M · min. income ≈ HK$364,142/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,607,776 · Scale 2, in force from 26 Feb 2026)