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$86,574
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$89,267
−HK$2,736/mo
Today · 4.125%
HK$92,003
baseline
▲ 0.50% · 4.625%
HK$97,601
+HK$5,598/mo
Deposit HK$18.98M · loan HK$18.98M · min. income ≈ HK$184,006/mo (50% DSR)
Upfront cash ≈ HK$20.60M (deposit + AVD stamp duty HK$1,613,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,312
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$98,895
−HK$2,621/mo
Today · 4.125%
HK$101,516
baseline
▲ 0.50% · 4.625%
HK$106,867
+HK$5,351/mo
Deposit HK$18.98M · loan HK$18.98M · min. income ≈ HK$203,032/mo (50% DSR)
Upfront cash ≈ HK$20.60M (deposit + AVD stamp duty HK$1,613,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,888
−HK$6,515/mo
▼ 0.25% · 3.875%
HK$107,120
−HK$3,283/mo
Today · 4.125%
HK$110,403
baseline
▲ 0.50% · 4.625%
HK$117,121
+HK$6,718/mo
Deposit HK$15.19M · loan HK$22.78M · min. income ≈ HK$220,806/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,613,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,575
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$118,675
−HK$3,144/mo
Today · 4.125%
HK$121,819
baseline
▲ 0.50% · 4.625%
HK$128,240
+HK$6,421/mo
Deposit HK$15.19M · loan HK$22.78M · min. income ≈ HK$243,638/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,613,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,203
−HK$7,601/mo
▼ 0.25% · 3.875%
HK$124,973
−HK$3,831/mo
Today · 4.125%
HK$128,804
baseline
▲ 0.50% · 4.625%
HK$136,641
+HK$7,837/mo
Deposit HK$11.39M · loan HK$26.58M · min. income ≈ HK$257,608/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,613,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,837
−HK$7,285/mo
▼ 0.25% · 3.875%
HK$138,454
−HK$3,668/mo
Today · 4.125%
HK$142,122
baseline
▲ 0.50% · 4.625%
HK$149,614
+HK$7,492/mo
Deposit HK$11.39M · loan HK$26.58M · min. income ≈ HK$284,244/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,613,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,833
−HK$9,772/mo
▼ 0.25% · 3.875%
HK$160,680
−HK$4,925/mo
Today · 4.125%
HK$165,605
baseline
▲ 0.50% · 4.625%
HK$175,681
+HK$10,076/mo
Deposit HK$3.80M · loan HK$34.17M · min. income ≈ HK$331,210/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,613,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,362
−HK$9,367/mo
▼ 0.25% · 3.875%
HK$178,012
−HK$4,717/mo
Today · 4.125%
HK$182,729
baseline
▲ 0.50% · 4.625%
HK$192,360
+HK$9,631/mo
Deposit HK$3.80M · loan HK$34.17M · min. income ≈ HK$365,458/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,613,584 · Scale 2, in force from 26 Feb 2026)