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$85,673
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$88,338
−HK$2,707/mo
Today · 4.125%
HK$91,045
baseline
▲ 0.50% · 4.625%
HK$96,585
+HK$5,540/mo
Deposit HK$18.79M · loan HK$18.79M · min. income ≈ HK$182,090/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,596,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,310
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$97,867
−HK$2,593/mo
Today · 4.125%
HK$100,460
baseline
▲ 0.50% · 4.625%
HK$105,755
+HK$5,295/mo
Deposit HK$18.79M · loan HK$18.79M · min. income ≈ HK$200,920/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,596,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,808
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$106,006
−HK$3,249/mo
Today · 4.125%
HK$109,255
baseline
▲ 0.50% · 4.625%
HK$115,902
+HK$6,647/mo
Deposit HK$15.03M · loan HK$22.54M · min. income ≈ HK$218,510/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,596,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,372
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$117,440
−HK$3,112/mo
Today · 4.125%
HK$120,552
baseline
▲ 0.50% · 4.625%
HK$126,906
+HK$6,354/mo
Deposit HK$15.03M · loan HK$22.54M · min. income ≈ HK$241,104/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,596,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,942
−HK$7,522/mo
▼ 0.25% · 3.875%
HK$123,673
−HK$3,791/mo
Today · 4.125%
HK$127,464
baseline
▲ 0.50% · 4.625%
HK$135,220
+HK$7,756/mo
Deposit HK$11.27M · loan HK$26.30M · min. income ≈ HK$254,928/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,596,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,435
−HK$7,209/mo
▼ 0.25% · 3.875%
HK$137,013
−HK$3,631/mo
Today · 4.125%
HK$140,644
baseline
▲ 0.50% · 4.625%
HK$148,057
+HK$7,413/mo
Deposit HK$11.27M · loan HK$26.30M · min. income ≈ HK$281,288/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,596,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,211
−HK$9,671/mo
▼ 0.25% · 3.875%
HK$159,008
−HK$4,874/mo
Today · 4.125%
HK$163,882
baseline
▲ 0.50% · 4.625%
HK$173,854
+HK$9,972/mo
Deposit HK$3.76M · loan HK$33.81M · min. income ≈ HK$327,764/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,596,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,559
−HK$9,268/mo
▼ 0.25% · 3.875%
HK$176,160
−HK$4,667/mo
Today · 4.125%
HK$180,827
baseline
▲ 0.50% · 4.625%
HK$190,359
+HK$9,532/mo
Deposit HK$3.76M · loan HK$33.81M · min. income ≈ HK$361,654/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,596,796 · Scale 2, in force from 26 Feb 2026)