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$86,269
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$88,952
−HK$2,727/mo
Today · 4.125%
HK$91,679
baseline
▲ 0.50% · 4.625%
HK$97,257
+HK$5,578/mo
Deposit HK$18.92M · loan HK$18.92M · min. income ≈ HK$183,358/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$1,607,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,973
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,547
−HK$2,611/mo
Today · 4.125%
HK$101,158
baseline
▲ 0.50% · 4.625%
HK$106,491
+HK$5,333/mo
Deposit HK$18.92M · loan HK$18.92M · min. income ≈ HK$202,316/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$1,607,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,523
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$106,743
−HK$3,271/mo
Today · 4.125%
HK$110,014
baseline
▲ 0.50% · 4.625%
HK$116,709
+HK$6,695/mo
Deposit HK$15.13M · loan HK$22.70M · min. income ≈ HK$220,028/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,607,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,168
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$118,257
−HK$3,133/mo
Today · 4.125%
HK$121,390
baseline
▲ 0.50% · 4.625%
HK$127,789
+HK$6,399/mo
Deposit HK$15.13M · loan HK$22.70M · min. income ≈ HK$242,780/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,607,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,776
−HK$7,574/mo
▼ 0.25% · 3.875%
HK$124,533
−HK$3,817/mo
Today · 4.125%
HK$128,350
baseline
▲ 0.50% · 4.625%
HK$136,160
+HK$7,810/mo
Deposit HK$11.35M · loan HK$26.48M · min. income ≈ HK$256,700/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,607,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,363
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$137,966
−HK$3,656/mo
Today · 4.125%
HK$141,622
baseline
▲ 0.50% · 4.625%
HK$149,087
+HK$7,465/mo
Deposit HK$11.35M · loan HK$26.48M · min. income ≈ HK$283,244/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,607,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,284
−HK$9,738/mo
▼ 0.25% · 3.875%
HK$160,114
−HK$4,908/mo
Today · 4.125%
HK$165,022
baseline
▲ 0.50% · 4.625%
HK$175,063
+HK$10,041/mo
Deposit HK$3.78M · loan HK$34.05M · min. income ≈ HK$330,044/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,607,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,752
−HK$9,333/mo
▼ 0.25% · 3.875%
HK$177,385
−HK$4,700/mo
Today · 4.125%
HK$182,085
baseline
▲ 0.50% · 4.625%
HK$191,683
+HK$9,598/mo
Deposit HK$3.78M · loan HK$34.05M · min. income ≈ HK$364,170/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,607,901 · Scale 2, in force from 26 Feb 2026)