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$85,754
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$88,422
−HK$2,710/mo
Today · 4.125%
HK$91,132
baseline
▲ 0.50% · 4.625%
HK$96,677
+HK$5,545/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$182,264/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,598,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,401
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$97,959
−HK$2,596/mo
Today · 4.125%
HK$100,555
baseline
▲ 0.50% · 4.625%
HK$105,855
+HK$5,300/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$201,110/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,598,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,905
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$106,106
−HK$3,252/mo
Today · 4.125%
HK$109,358
baseline
▲ 0.50% · 4.625%
HK$116,012
+HK$6,654/mo
Deposit HK$15.04M · loan HK$22.56M · min. income ≈ HK$218,716/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,598,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,481
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$117,551
−HK$3,115/mo
Today · 4.125%
HK$120,666
baseline
▲ 0.50% · 4.625%
HK$127,026
+HK$6,360/mo
Deposit HK$15.04M · loan HK$22.56M · min. income ≈ HK$241,332/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,598,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,056
−HK$7,529/mo
▼ 0.25% · 3.875%
HK$123,790
−HK$3,795/mo
Today · 4.125%
HK$127,585
baseline
▲ 0.50% · 4.625%
HK$135,348
+HK$7,763/mo
Deposit HK$11.28M · loan HK$26.33M · min. income ≈ HK$255,170/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,598,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,561
−HK$7,216/mo
▼ 0.25% · 3.875%
HK$137,143
−HK$3,634/mo
Today · 4.125%
HK$140,777
baseline
▲ 0.50% · 4.625%
HK$148,197
+HK$7,420/mo
Deposit HK$11.28M · loan HK$26.33M · min. income ≈ HK$281,554/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,598,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,358
−HK$9,679/mo
▼ 0.25% · 3.875%
HK$159,159
−HK$4,878/mo
Today · 4.125%
HK$164,037
baseline
▲ 0.50% · 4.625%
HK$174,019
+HK$9,982/mo
Deposit HK$3.76M · loan HK$33.85M · min. income ≈ HK$328,074/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,598,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,721
−HK$9,278/mo
▼ 0.25% · 3.875%
HK$176,327
−HK$4,672/mo
Today · 4.125%
HK$180,999
baseline
▲ 0.50% · 4.625%
HK$190,540
+HK$9,541/mo
Deposit HK$3.76M · loan HK$33.85M · min. income ≈ HK$361,998/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,598,310 · Scale 2, in force from 26 Feb 2026)