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$85,826
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$88,496
−HK$2,712/mo
Today · 4.125%
HK$91,208
baseline
▲ 0.50% · 4.625%
HK$96,758
+HK$5,550/mo
Deposit HK$18.82M · loan HK$18.82M · min. income ≈ HK$182,416/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,599,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,481
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$98,041
−HK$2,598/mo
Today · 4.125%
HK$100,639
baseline
▲ 0.50% · 4.625%
HK$105,944
+HK$5,305/mo
Deposit HK$18.82M · loan HK$18.82M · min. income ≈ HK$201,278/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,599,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,991
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$106,195
−HK$3,255/mo
Today · 4.125%
HK$109,450
baseline
▲ 0.50% · 4.625%
HK$116,110
+HK$6,660/mo
Deposit HK$15.06M · loan HK$22.58M · min. income ≈ HK$218,900/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,599,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,577
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$117,650
−HK$3,117/mo
Today · 4.125%
HK$120,767
baseline
▲ 0.50% · 4.625%
HK$127,133
+HK$6,366/mo
Deposit HK$15.06M · loan HK$22.58M · min. income ≈ HK$241,534/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,599,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,157
−HK$7,534/mo
▼ 0.25% · 3.875%
HK$123,894
−HK$3,797/mo
Today · 4.125%
HK$127,691
baseline
▲ 0.50% · 4.625%
HK$135,461
+HK$7,770/mo
Deposit HK$11.29M · loan HK$26.35M · min. income ≈ HK$255,382/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,599,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,673
−HK$7,222/mo
▼ 0.25% · 3.875%
HK$137,258
−HK$3,637/mo
Today · 4.125%
HK$140,895
baseline
▲ 0.50% · 4.625%
HK$148,322
+HK$7,427/mo
Deposit HK$11.29M · loan HK$26.35M · min. income ≈ HK$281,790/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,599,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,487
−HK$9,688/mo
▼ 0.25% · 3.875%
HK$159,292
−HK$4,883/mo
Today · 4.125%
HK$164,175
baseline
▲ 0.50% · 4.625%
HK$174,164
+HK$9,989/mo
Deposit HK$3.76M · loan HK$33.87M · min. income ≈ HK$328,350/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,599,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,865
−HK$9,286/mo
▼ 0.25% · 3.875%
HK$176,475
−HK$4,676/mo
Today · 4.125%
HK$181,151
baseline
▲ 0.50% · 4.625%
HK$190,699
+HK$9,548/mo
Deposit HK$3.76M · loan HK$33.87M · min. income ≈ HK$362,302/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,599,650 · Scale 2, in force from 26 Feb 2026)