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$86,338
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$89,024
−HK$2,728/mo
Today · 4.125%
HK$91,752
baseline
▲ 0.50% · 4.625%
HK$97,335
+HK$5,583/mo
Deposit HK$18.93M · loan HK$18.93M · min. income ≈ HK$183,504/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$1,609,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,050
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$98,626
−HK$2,613/mo
Today · 4.125%
HK$101,239
baseline
▲ 0.50% · 4.625%
HK$106,576
+HK$5,337/mo
Deposit HK$18.93M · loan HK$18.93M · min. income ≈ HK$202,478/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$1,609,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,606
−HK$6,497/mo
▼ 0.25% · 3.875%
HK$106,828
−HK$3,275/mo
Today · 4.125%
HK$110,103
baseline
▲ 0.50% · 4.625%
HK$116,802
+HK$6,699/mo
Deposit HK$15.15M · loan HK$22.72M · min. income ≈ HK$220,206/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,609,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,260
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$118,351
−HK$3,136/mo
Today · 4.125%
HK$121,487
baseline
▲ 0.50% · 4.625%
HK$127,891
+HK$6,404/mo
Deposit HK$15.15M · loan HK$22.72M · min. income ≈ HK$242,974/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,609,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,873
−HK$7,580/mo
▼ 0.25% · 3.875%
HK$124,633
−HK$3,820/mo
Today · 4.125%
HK$128,453
baseline
▲ 0.50% · 4.625%
HK$136,269
+HK$7,816/mo
Deposit HK$11.36M · loan HK$26.50M · min. income ≈ HK$256,906/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,609,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,470
−HK$7,265/mo
▼ 0.25% · 3.875%
HK$138,077
−HK$3,658/mo
Today · 4.125%
HK$141,735
baseline
▲ 0.50% · 4.625%
HK$149,206
+HK$7,471/mo
Deposit HK$11.36M · loan HK$26.50M · min. income ≈ HK$283,470/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,609,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,408
−HK$9,746/mo
▼ 0.25% · 3.875%
HK$160,242
−HK$4,912/mo
Today · 4.125%
HK$165,154
baseline
▲ 0.50% · 4.625%
HK$175,203
+HK$10,049/mo
Deposit HK$3.79M · loan HK$34.08M · min. income ≈ HK$330,308/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,609,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,890
−HK$9,341/mo
▼ 0.25% · 3.875%
HK$177,527
−HK$4,704/mo
Today · 4.125%
HK$182,231
baseline
▲ 0.50% · 4.625%
HK$191,837
+HK$9,606/mo
Deposit HK$3.79M · loan HK$34.08M · min. income ≈ HK$364,462/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,609,189 · Scale 2, in force from 26 Feb 2026)