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$85,914
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$88,586
−HK$2,715/mo
Today · 4.125%
HK$91,301
baseline
▲ 0.50% · 4.625%
HK$96,857
+HK$5,556/mo
Deposit HK$18.84M · loan HK$18.84M · min. income ≈ HK$182,602/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,601,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,578
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$98,142
−HK$2,600/mo
Today · 4.125%
HK$100,742
baseline
▲ 0.50% · 4.625%
HK$106,052
+HK$5,310/mo
Deposit HK$18.84M · loan HK$18.84M · min. income ≈ HK$201,484/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,601,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,097
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$106,304
−HK$3,258/mo
Today · 4.125%
HK$109,562
baseline
▲ 0.50% · 4.625%
HK$116,228
+HK$6,666/mo
Deposit HK$15.07M · loan HK$22.61M · min. income ≈ HK$219,124/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,601,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,694
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$117,770
−HK$3,121/mo
Today · 4.125%
HK$120,891
baseline
▲ 0.50% · 4.625%
HK$127,263
+HK$6,372/mo
Deposit HK$15.07M · loan HK$22.61M · min. income ≈ HK$241,782/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,601,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,279
−HK$7,543/mo
▼ 0.25% · 3.875%
HK$124,021
−HK$3,801/mo
Today · 4.125%
HK$127,822
baseline
▲ 0.50% · 4.625%
HK$135,600
+HK$7,778/mo
Deposit HK$11.30M · loan HK$26.37M · min. income ≈ HK$255,644/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,601,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,810
−HK$7,229/mo
▼ 0.25% · 3.875%
HK$137,398
−HK$3,641/mo
Today · 4.125%
HK$141,039
baseline
▲ 0.50% · 4.625%
HK$148,473
+HK$7,434/mo
Deposit HK$11.30M · loan HK$26.37M · min. income ≈ HK$282,078/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,601,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,645
−HK$9,698/mo
▼ 0.25% · 3.875%
HK$159,455
−HK$4,888/mo
Today · 4.125%
HK$164,343
baseline
▲ 0.50% · 4.625%
HK$174,342
+HK$9,999/mo
Deposit HK$3.77M · loan HK$33.91M · min. income ≈ HK$328,686/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,041
−HK$9,295/mo
▼ 0.25% · 3.875%
HK$176,655
−HK$4,681/mo
Today · 4.125%
HK$181,336
baseline
▲ 0.50% · 4.625%
HK$190,894
+HK$9,558/mo
Deposit HK$3.77M · loan HK$33.91M · min. income ≈ HK$362,672/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,285 · Scale 2, in force from 26 Feb 2026)