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$86,520
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$89,212
−HK$2,734/mo
Today · 4.125%
HK$91,946
baseline
▲ 0.50% · 4.625%
HK$97,541
+HK$5,595/mo
Deposit HK$18.97M · loan HK$18.97M · min. income ≈ HK$183,892/mo (50% DSR)
Upfront cash ≈ HK$20.58M (deposit + AVD stamp duty HK$1,612,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,253
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$98,834
−HK$2,619/mo
Today · 4.125%
HK$101,453
baseline
▲ 0.50% · 4.625%
HK$106,801
+HK$5,348/mo
Deposit HK$18.97M · loan HK$18.97M · min. income ≈ HK$202,906/mo (50% DSR)
Upfront cash ≈ HK$20.58M (deposit + AVD stamp duty HK$1,612,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,824
−HK$6,511/mo
▼ 0.25% · 3.875%
HK$107,054
−HK$3,281/mo
Today · 4.125%
HK$110,335
baseline
▲ 0.50% · 4.625%
HK$117,049
+HK$6,714/mo
Deposit HK$15.18M · loan HK$22.77M · min. income ≈ HK$220,670/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,612,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,504
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$118,601
−HK$3,143/mo
Today · 4.125%
HK$121,744
baseline
▲ 0.50% · 4.625%
HK$128,161
+HK$6,417/mo
Deposit HK$15.18M · loan HK$22.77M · min. income ≈ HK$243,488/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,612,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,128
−HK$7,596/mo
▼ 0.25% · 3.875%
HK$124,896
−HK$3,828/mo
Today · 4.125%
HK$128,724
baseline
▲ 0.50% · 4.625%
HK$136,557
+HK$7,833/mo
Deposit HK$11.38M · loan HK$26.56M · min. income ≈ HK$257,448/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,612,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,754
−HK$7,280/mo
▼ 0.25% · 3.875%
HK$138,368
−HK$3,666/mo
Today · 4.125%
HK$142,034
baseline
▲ 0.50% · 4.625%
HK$149,521
+HK$7,487/mo
Deposit HK$11.38M · loan HK$26.56M · min. income ≈ HK$284,068/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,612,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,737
−HK$9,766/mo
▼ 0.25% · 3.875%
HK$160,581
−HK$4,922/mo
Today · 4.125%
HK$165,503
baseline
▲ 0.50% · 4.625%
HK$175,573
+HK$10,070/mo
Deposit HK$3.79M · loan HK$34.15M · min. income ≈ HK$331,006/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,612,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,255
−HK$9,361/mo
▼ 0.25% · 3.875%
HK$177,902
−HK$4,714/mo
Today · 4.125%
HK$182,616
baseline
▲ 0.50% · 4.625%
HK$192,242
+HK$9,626/mo
Deposit HK$3.79M · loan HK$34.15M · min. income ≈ HK$365,232/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,612,588 · Scale 2, in force from 26 Feb 2026)