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$86,345
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$89,030
−HK$2,729/mo
Today · 4.125%
HK$91,759
baseline
▲ 0.50% · 4.625%
HK$97,343
+HK$5,584/mo
Deposit HK$18.93M · loan HK$18.93M · min. income ≈ HK$183,518/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$1,609,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,058
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$98,634
−HK$2,613/mo
Today · 4.125%
HK$101,247
baseline
▲ 0.50% · 4.625%
HK$106,584
+HK$5,337/mo
Deposit HK$18.93M · loan HK$18.93M · min. income ≈ HK$202,494/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$1,609,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,614
−HK$6,497/mo
▼ 0.25% · 3.875%
HK$106,837
−HK$3,274/mo
Today · 4.125%
HK$110,111
baseline
▲ 0.50% · 4.625%
HK$116,811
+HK$6,700/mo
Deposit HK$15.15M · loan HK$22.72M · min. income ≈ HK$220,222/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,609,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,269
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$118,360
−HK$3,137/mo
Today · 4.125%
HK$121,497
baseline
▲ 0.50% · 4.625%
HK$127,901
+HK$6,404/mo
Deposit HK$15.15M · loan HK$22.72M · min. income ≈ HK$242,994/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,609,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,882
−HK$7,581/mo
▼ 0.25% · 3.875%
HK$124,643
−HK$3,820/mo
Today · 4.125%
HK$128,463
baseline
▲ 0.50% · 4.625%
HK$136,280
+HK$7,817/mo
Deposit HK$11.36M · loan HK$26.51M · min. income ≈ HK$256,926/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,609,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,481
−HK$7,265/mo
▼ 0.25% · 3.875%
HK$138,087
−HK$3,659/mo
Today · 4.125%
HK$141,746
baseline
▲ 0.50% · 4.625%
HK$149,218
+HK$7,472/mo
Deposit HK$11.36M · loan HK$26.51M · min. income ≈ HK$283,492/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,609,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,420
−HK$9,747/mo
▼ 0.25% · 3.875%
HK$160,255
−HK$4,912/mo
Today · 4.125%
HK$165,167
baseline
▲ 0.50% · 4.625%
HK$175,217
+HK$10,050/mo
Deposit HK$3.79M · loan HK$34.08M · min. income ≈ HK$330,334/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,609,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,904
−HK$9,341/mo
▼ 0.25% · 3.875%
HK$177,541
−HK$4,704/mo
Today · 4.125%
HK$182,245
baseline
▲ 0.50% · 4.625%
HK$191,851
+HK$9,606/mo
Deposit HK$3.79M · loan HK$34.08M · min. income ≈ HK$364,490/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,609,314 · Scale 2, in force from 26 Feb 2026)