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$86,101
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$88,779
−HK$2,721/mo
Today · 4.125%
HK$91,500
baseline
▲ 0.50% · 4.625%
HK$97,068
+HK$5,568/mo
Deposit HK$18.88M · loan HK$18.88M · min. income ≈ HK$183,000/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,604,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,786
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$98,355
−HK$2,606/mo
Today · 4.125%
HK$100,961
baseline
▲ 0.50% · 4.625%
HK$106,283
+HK$5,322/mo
Deposit HK$18.88M · loan HK$18.88M · min. income ≈ HK$201,922/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,604,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,321
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$106,535
−HK$3,265/mo
Today · 4.125%
HK$109,800
baseline
▲ 0.50% · 4.625%
HK$116,481
+HK$6,681/mo
Deposit HK$15.10M · loan HK$22.66M · min. income ≈ HK$219,600/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,604,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,944
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$118,026
−HK$3,128/mo
Today · 4.125%
HK$121,154
baseline
▲ 0.50% · 4.625%
HK$127,540
+HK$6,386/mo
Deposit HK$15.10M · loan HK$22.66M · min. income ≈ HK$242,308/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,604,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,541
−HK$7,559/mo
▼ 0.25% · 3.875%
HK$124,291
−HK$3,809/mo
Today · 4.125%
HK$128,100
baseline
▲ 0.50% · 4.625%
HK$135,895
+HK$7,795/mo
Deposit HK$11.33M · loan HK$26.43M · min. income ≈ HK$256,200/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,101
−HK$7,245/mo
▼ 0.25% · 3.875%
HK$137,697
−HK$3,649/mo
Today · 4.125%
HK$141,346
baseline
▲ 0.50% · 4.625%
HK$148,796
+HK$7,450/mo
Deposit HK$11.33M · loan HK$26.43M · min. income ≈ HK$282,692/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,981
−HK$9,719/mo
▼ 0.25% · 3.875%
HK$159,802
−HK$4,898/mo
Today · 4.125%
HK$164,700
baseline
▲ 0.50% · 4.625%
HK$174,722
+HK$10,022/mo
Deposit HK$3.78M · loan HK$33.98M · min. income ≈ HK$329,400/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,415
−HK$9,315/mo
▼ 0.25% · 3.875%
HK$177,039
−HK$4,691/mo
Today · 4.125%
HK$181,730
baseline
▲ 0.50% · 4.625%
HK$191,310
+HK$9,580/mo
Deposit HK$3.78M · loan HK$33.98M · min. income ≈ HK$363,460/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,769 · Scale 2, in force from 26 Feb 2026)