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$86,440
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$89,129
−HK$2,732/mo
Today · 4.125%
HK$91,861
baseline
▲ 0.50% · 4.625%
HK$97,450
+HK$5,589/mo
Deposit HK$18.95M · loan HK$18.95M · min. income ≈ HK$183,722/mo (50% DSR)
Upfront cash ≈ HK$20.57M (deposit + AVD stamp duty HK$1,611,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,164
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$98,743
−HK$2,616/mo
Today · 4.125%
HK$101,359
baseline
▲ 0.50% · 4.625%
HK$106,702
+HK$5,343/mo
Deposit HK$18.95M · loan HK$18.95M · min. income ≈ HK$202,718/mo (50% DSR)
Upfront cash ≈ HK$20.57M (deposit + AVD stamp duty HK$1,611,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,728
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$106,955
−HK$3,278/mo
Today · 4.125%
HK$110,233
baseline
▲ 0.50% · 4.625%
HK$116,940
+HK$6,707/mo
Deposit HK$15.16M · loan HK$22.74M · min. income ≈ HK$220,466/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,611,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,397
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$118,492
−HK$3,139/mo
Today · 4.125%
HK$121,631
baseline
▲ 0.50% · 4.625%
HK$128,043
+HK$6,412/mo
Deposit HK$15.16M · loan HK$22.74M · min. income ≈ HK$243,262/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,611,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,016
−HK$7,589/mo
▼ 0.25% · 3.875%
HK$124,781
−HK$3,824/mo
Today · 4.125%
HK$128,605
baseline
▲ 0.50% · 4.625%
HK$136,431
+HK$7,826/mo
Deposit HK$11.37M · loan HK$26.54M · min. income ≈ HK$257,210/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,611,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,630
−HK$7,273/mo
▼ 0.25% · 3.875%
HK$138,240
−HK$3,663/mo
Today · 4.125%
HK$141,903
baseline
▲ 0.50% · 4.625%
HK$149,383
+HK$7,480/mo
Deposit HK$11.37M · loan HK$26.54M · min. income ≈ HK$283,806/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,611,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,593
−HK$9,757/mo
▼ 0.25% · 3.875%
HK$160,432
−HK$4,918/mo
Today · 4.125%
HK$165,350
baseline
▲ 0.50% · 4.625%
HK$175,411
+HK$10,061/mo
Deposit HK$3.79M · loan HK$34.12M · min. income ≈ HK$330,700/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,611,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,095
−HK$9,352/mo
▼ 0.25% · 3.875%
HK$177,737
−HK$4,710/mo
Today · 4.125%
HK$182,447
baseline
▲ 0.50% · 4.625%
HK$192,064
+HK$9,617/mo
Deposit HK$3.79M · loan HK$34.12M · min. income ≈ HK$364,894/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,611,097 · Scale 2, in force from 26 Feb 2026)