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$85,887
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$88,559
−HK$2,714/mo
Today · 4.125%
HK$91,273
baseline
▲ 0.50% · 4.625%
HK$96,827
+HK$5,554/mo
Deposit HK$18.83M · loan HK$18.83M · min. income ≈ HK$182,546/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,600,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,549
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$98,112
−HK$2,599/mo
Today · 4.125%
HK$100,711
baseline
▲ 0.50% · 4.625%
HK$106,020
+HK$5,309/mo
Deposit HK$18.83M · loan HK$18.83M · min. income ≈ HK$201,422/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,600,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,065
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$106,271
−HK$3,257/mo
Today · 4.125%
HK$109,528
baseline
▲ 0.50% · 4.625%
HK$116,193
+HK$6,665/mo
Deposit HK$15.07M · loan HK$22.60M · min. income ≈ HK$219,056/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,600,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,659
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$117,734
−HK$3,119/mo
Today · 4.125%
HK$120,853
baseline
▲ 0.50% · 4.625%
HK$127,224
+HK$6,371/mo
Deposit HK$15.07M · loan HK$22.60M · min. income ≈ HK$241,706/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,600,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,242
−HK$7,541/mo
▼ 0.25% · 3.875%
HK$123,983
−HK$3,800/mo
Today · 4.125%
HK$127,783
baseline
▲ 0.50% · 4.625%
HK$135,558
+HK$7,775/mo
Deposit HK$11.30M · loan HK$26.37M · min. income ≈ HK$255,566/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,600,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,769
−HK$7,227/mo
▼ 0.25% · 3.875%
HK$137,356
−HK$3,640/mo
Today · 4.125%
HK$140,996
baseline
▲ 0.50% · 4.625%
HK$148,428
+HK$7,432/mo
Deposit HK$11.30M · loan HK$26.37M · min. income ≈ HK$281,992/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,600,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,597
−HK$9,695/mo
▼ 0.25% · 3.875%
HK$159,406
−HK$4,886/mo
Today · 4.125%
HK$164,292
baseline
▲ 0.50% · 4.625%
HK$174,289
+HK$9,997/mo
Deposit HK$3.77M · loan HK$33.90M · min. income ≈ HK$328,584/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,600,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,988
−HK$9,292/mo
▼ 0.25% · 3.875%
HK$176,601
−HK$4,679/mo
Today · 4.125%
HK$181,280
baseline
▲ 0.50% · 4.625%
HK$190,836
+HK$9,556/mo
Deposit HK$3.77M · loan HK$33.90M · min. income ≈ HK$362,560/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,600,794 · Scale 2, in force from 26 Feb 2026)