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$86,509
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$89,200
−HK$2,734/mo
Today · 4.125%
HK$91,934
baseline
▲ 0.50% · 4.625%
HK$97,528
+HK$5,594/mo
Deposit HK$18.97M · loan HK$18.97M · min. income ≈ HK$183,868/mo (50% DSR)
Upfront cash ≈ HK$20.58M (deposit + AVD stamp duty HK$1,612,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,241
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$98,822
−HK$2,618/mo
Today · 4.125%
HK$101,440
baseline
▲ 0.50% · 4.625%
HK$106,787
+HK$5,347/mo
Deposit HK$18.97M · loan HK$18.97M · min. income ≈ HK$202,880/mo (50% DSR)
Upfront cash ≈ HK$20.58M (deposit + AVD stamp duty HK$1,612,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,811
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$107,040
−HK$3,281/mo
Today · 4.125%
HK$110,321
baseline
▲ 0.50% · 4.625%
HK$117,034
+HK$6,713/mo
Deposit HK$15.18M · loan HK$22.76M · min. income ≈ HK$220,642/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,612,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,489
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$118,586
−HK$3,142/mo
Today · 4.125%
HK$121,728
baseline
▲ 0.50% · 4.625%
HK$128,145
+HK$6,417/mo
Deposit HK$15.18M · loan HK$22.76M · min. income ≈ HK$243,456/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,612,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,113
−HK$7,595/mo
▼ 0.25% · 3.875%
HK$124,880
−HK$3,828/mo
Today · 4.125%
HK$128,708
baseline
▲ 0.50% · 4.625%
HK$136,539
+HK$7,831/mo
Deposit HK$11.38M · loan HK$26.56M · min. income ≈ HK$257,416/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,612,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,737
−HK$7,279/mo
▼ 0.25% · 3.875%
HK$138,350
−HK$3,666/mo
Today · 4.125%
HK$142,016
baseline
▲ 0.50% · 4.625%
HK$149,502
+HK$7,486/mo
Deposit HK$11.38M · loan HK$26.56M · min. income ≈ HK$284,032/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,612,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,717
−HK$9,764/mo
▼ 0.25% · 3.875%
HK$160,560
−HK$4,921/mo
Today · 4.125%
HK$165,481
baseline
▲ 0.50% · 4.625%
HK$175,551
+HK$10,070/mo
Deposit HK$3.79M · loan HK$34.14M · min. income ≈ HK$330,962/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,612,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,233
−HK$9,359/mo
▼ 0.25% · 3.875%
HK$177,879
−HK$4,713/mo
Today · 4.125%
HK$182,592
baseline
▲ 0.50% · 4.625%
HK$192,217
+HK$9,625/mo
Deposit HK$3.79M · loan HK$34.14M · min. income ≈ HK$365,184/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,612,382 · Scale 2, in force from 26 Feb 2026)