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$85,598
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$88,261
−HK$2,705/mo
Today · 4.125%
HK$90,966
baseline
▲ 0.50% · 4.625%
HK$96,501
+HK$5,535/mo
Deposit HK$18.77M · loan HK$18.77M · min. income ≈ HK$181,932/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,595,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,227
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$97,781
−HK$2,591/mo
Today · 4.125%
HK$100,372
baseline
▲ 0.50% · 4.625%
HK$105,662
+HK$5,290/mo
Deposit HK$18.77M · loan HK$18.77M · min. income ≈ HK$200,744/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,595,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,718
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$105,913
−HK$3,246/mo
Today · 4.125%
HK$109,159
baseline
▲ 0.50% · 4.625%
HK$115,801
+HK$6,642/mo
Deposit HK$15.02M · loan HK$22.52M · min. income ≈ HK$218,318/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,595,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,272
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$117,337
−HK$3,109/mo
Today · 4.125%
HK$120,446
baseline
▲ 0.50% · 4.625%
HK$126,795
+HK$6,349/mo
Deposit HK$15.02M · loan HK$22.52M · min. income ≈ HK$240,892/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,595,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,837
−HK$7,515/mo
▼ 0.25% · 3.875%
HK$123,565
−HK$3,787/mo
Today · 4.125%
HK$127,352
baseline
▲ 0.50% · 4.625%
HK$135,101
+HK$7,749/mo
Deposit HK$11.26M · loan HK$26.28M · min. income ≈ HK$254,704/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,595,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,318
−HK$7,202/mo
▼ 0.25% · 3.875%
HK$136,893
−HK$3,627/mo
Today · 4.125%
HK$140,520
baseline
▲ 0.50% · 4.625%
HK$147,927
+HK$7,407/mo
Deposit HK$11.26M · loan HK$26.28M · min. income ≈ HK$281,040/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,595,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,076
−HK$9,662/mo
▼ 0.25% · 3.875%
HK$158,869
−HK$4,869/mo
Today · 4.125%
HK$163,738
baseline
▲ 0.50% · 4.625%
HK$173,701
+HK$9,963/mo
Deposit HK$3.75M · loan HK$33.78M · min. income ≈ HK$327,476/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,595,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,408
−HK$9,261/mo
▼ 0.25% · 3.875%
HK$176,005
−HK$4,664/mo
Today · 4.125%
HK$180,669
baseline
▲ 0.50% · 4.625%
HK$190,192
+HK$9,523/mo
Deposit HK$3.75M · loan HK$33.78M · min. income ≈ HK$361,338/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,595,397 · Scale 2, in force from 26 Feb 2026)