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$86,296
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$88,980
−HK$2,728/mo
Today · 4.125%
HK$91,708
baseline
▲ 0.50% · 4.625%
HK$97,288
+HK$5,580/mo
Deposit HK$18.92M · loan HK$18.92M · min. income ≈ HK$183,416/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,608,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,004
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$98,578
−HK$2,612/mo
Today · 4.125%
HK$101,190
baseline
▲ 0.50% · 4.625%
HK$106,524
+HK$5,334/mo
Deposit HK$18.92M · loan HK$18.92M · min. income ≈ HK$202,380/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,608,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,555
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$106,776
−HK$3,273/mo
Today · 4.125%
HK$110,049
baseline
▲ 0.50% · 4.625%
HK$116,745
+HK$6,696/mo
Deposit HK$15.14M · loan HK$22.71M · min. income ≈ HK$220,098/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,608,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,204
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$118,294
−HK$3,134/mo
Today · 4.125%
HK$121,428
baseline
▲ 0.50% · 4.625%
HK$127,829
+HK$6,401/mo
Deposit HK$15.14M · loan HK$22.71M · min. income ≈ HK$242,856/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,608,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,815
−HK$7,576/mo
▼ 0.25% · 3.875%
HK$124,573
−HK$3,818/mo
Today · 4.125%
HK$128,391
baseline
▲ 0.50% · 4.625%
HK$136,203
+HK$7,812/mo
Deposit HK$11.35M · loan HK$26.49M · min. income ≈ HK$256,782/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,608,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,405
−HK$7,261/mo
▼ 0.25% · 3.875%
HK$138,010
−HK$3,656/mo
Today · 4.125%
HK$141,666
baseline
▲ 0.50% · 4.625%
HK$149,134
+HK$7,468/mo
Deposit HK$11.35M · loan HK$26.49M · min. income ≈ HK$283,332/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,608,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,333
−HK$9,741/mo
▼ 0.25% · 3.875%
HK$160,165
−HK$4,909/mo
Today · 4.125%
HK$165,074
baseline
▲ 0.50% · 4.625%
HK$175,118
+HK$10,044/mo
Deposit HK$3.78M · loan HK$34.06M · min. income ≈ HK$330,148/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,608,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,806
−HK$9,337/mo
▼ 0.25% · 3.875%
HK$177,441
−HK$4,702/mo
Today · 4.125%
HK$182,143
baseline
▲ 0.50% · 4.625%
HK$191,744
+HK$9,601/mo
Deposit HK$3.78M · loan HK$34.06M · min. income ≈ HK$364,286/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,608,409 · Scale 2, in force from 26 Feb 2026)