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$85,990
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$88,665
−HK$2,718/mo
Today · 4.125%
HK$91,383
baseline
▲ 0.50% · 4.625%
HK$96,943
+HK$5,560/mo
Deposit HK$18.86M · loan HK$18.86M · min. income ≈ HK$182,766/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,602,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,664
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$98,229
−HK$2,603/mo
Today · 4.125%
HK$100,832
baseline
▲ 0.50% · 4.625%
HK$106,147
+HK$5,315/mo
Deposit HK$18.86M · loan HK$18.86M · min. income ≈ HK$201,664/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,602,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,189
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$106,398
−HK$3,261/mo
Today · 4.125%
HK$109,659
baseline
▲ 0.50% · 4.625%
HK$116,332
+HK$6,673/mo
Deposit HK$15.08M · loan HK$22.63M · min. income ≈ HK$219,318/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,602,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,796
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$117,875
−HK$3,123/mo
Today · 4.125%
HK$120,998
baseline
▲ 0.50% · 4.625%
HK$127,376
+HK$6,378/mo
Deposit HK$15.08M · loan HK$22.63M · min. income ≈ HK$241,996/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,602,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,387
−HK$7,549/mo
▼ 0.25% · 3.875%
HK$124,131
−HK$3,805/mo
Today · 4.125%
HK$127,936
baseline
▲ 0.50% · 4.625%
HK$135,721
+HK$7,785/mo
Deposit HK$11.31M · loan HK$26.40M · min. income ≈ HK$255,872/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,602,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,929
−HK$7,236/mo
▼ 0.25% · 3.875%
HK$137,521
−HK$3,644/mo
Today · 4.125%
HK$141,165
baseline
▲ 0.50% · 4.625%
HK$148,606
+HK$7,441/mo
Deposit HK$11.31M · loan HK$26.40M · min. income ≈ HK$282,330/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,602,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,783
−HK$9,706/mo
▼ 0.25% · 3.875%
HK$159,597
−HK$4,892/mo
Today · 4.125%
HK$164,489
baseline
▲ 0.50% · 4.625%
HK$174,498
+HK$10,009/mo
Deposit HK$3.77M · loan HK$33.94M · min. income ≈ HK$328,978/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,194
−HK$9,303/mo
▼ 0.25% · 3.875%
HK$176,812
−HK$4,685/mo
Today · 4.125%
HK$181,497
baseline
▲ 0.50% · 4.625%
HK$191,064
+HK$9,567/mo
Deposit HK$3.77M · loan HK$33.94M · min. income ≈ HK$362,994/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,712 · Scale 2, in force from 26 Feb 2026)