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$85,953
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$88,627
−HK$2,716/mo
Today · 4.125%
HK$91,343
baseline
▲ 0.50% · 4.625%
HK$96,901
+HK$5,558/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$182,686/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,602,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,622
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$98,186
−HK$2,602/mo
Today · 4.125%
HK$100,788
baseline
▲ 0.50% · 4.625%
HK$106,101
+HK$5,313/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$201,576/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,602,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,143
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$106,352
−HK$3,259/mo
Today · 4.125%
HK$109,611
baseline
▲ 0.50% · 4.625%
HK$116,281
+HK$6,670/mo
Deposit HK$15.08M · loan HK$22.62M · min. income ≈ HK$219,222/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,602,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,746
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$117,824
−HK$3,121/mo
Today · 4.125%
HK$120,945
baseline
▲ 0.50% · 4.625%
HK$127,321
+HK$6,376/mo
Deposit HK$15.08M · loan HK$22.62M · min. income ≈ HK$241,890/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,602,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,334
−HK$7,546/mo
▼ 0.25% · 3.875%
HK$124,077
−HK$3,803/mo
Today · 4.125%
HK$127,880
baseline
▲ 0.50% · 4.625%
HK$135,661
+HK$7,781/mo
Deposit HK$11.31M · loan HK$26.39M · min. income ≈ HK$255,760/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,602,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,870
−HK$7,233/mo
▼ 0.25% · 3.875%
HK$137,461
−HK$3,642/mo
Today · 4.125%
HK$141,103
baseline
▲ 0.50% · 4.625%
HK$148,541
+HK$7,438/mo
Deposit HK$11.31M · loan HK$26.39M · min. income ≈ HK$282,206/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,602,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,715
−HK$9,702/mo
▼ 0.25% · 3.875%
HK$159,528
−HK$4,889/mo
Today · 4.125%
HK$164,417
baseline
▲ 0.50% · 4.625%
HK$174,422
+HK$10,005/mo
Deposit HK$3.77M · loan HK$33.92M · min. income ≈ HK$328,834/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,119
−HK$9,299/mo
▼ 0.25% · 3.875%
HK$176,735
−HK$4,683/mo
Today · 4.125%
HK$181,418
baseline
▲ 0.50% · 4.625%
HK$190,981
+HK$9,563/mo
Deposit HK$3.77M · loan HK$33.92M · min. income ≈ HK$362,836/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,013 · Scale 2, in force from 26 Feb 2026)