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$85,819
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$88,489
−HK$2,712/mo
Today · 4.125%
HK$91,201
baseline
▲ 0.50% · 4.625%
HK$96,750
+HK$5,549/mo
Deposit HK$18.82M · loan HK$18.82M · min. income ≈ HK$182,402/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,599,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,473
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$98,033
−HK$2,598/mo
Today · 4.125%
HK$100,631
baseline
▲ 0.50% · 4.625%
HK$105,935
+HK$5,304/mo
Deposit HK$18.82M · loan HK$18.82M · min. income ≈ HK$201,262/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,599,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,983
−HK$6,458/mo
▼ 0.25% · 3.875%
HK$106,186
−HK$3,255/mo
Today · 4.125%
HK$109,441
baseline
▲ 0.50% · 4.625%
HK$116,100
+HK$6,659/mo
Deposit HK$15.05M · loan HK$22.58M · min. income ≈ HK$218,882/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,599,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,567
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$117,640
−HK$3,117/mo
Today · 4.125%
HK$120,757
baseline
▲ 0.50% · 4.625%
HK$127,122
+HK$6,365/mo
Deposit HK$15.05M · loan HK$22.58M · min. income ≈ HK$241,514/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,599,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,147
−HK$7,534/mo
▼ 0.25% · 3.875%
HK$123,884
−HK$3,797/mo
Today · 4.125%
HK$127,681
baseline
▲ 0.50% · 4.625%
HK$135,450
+HK$7,769/mo
Deposit HK$11.29M · loan HK$26.34M · min. income ≈ HK$255,362/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,599,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,662
−HK$7,221/mo
▼ 0.25% · 3.875%
HK$137,247
−HK$3,636/mo
Today · 4.125%
HK$140,883
baseline
▲ 0.50% · 4.625%
HK$148,309
+HK$7,426/mo
Deposit HK$11.29M · loan HK$26.34M · min. income ≈ HK$281,766/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,599,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,474
−HK$9,687/mo
▼ 0.25% · 3.875%
HK$159,279
−HK$4,882/mo
Today · 4.125%
HK$164,161
baseline
▲ 0.50% · 4.625%
HK$174,150
+HK$9,989/mo
Deposit HK$3.76M · loan HK$33.87M · min. income ≈ HK$328,322/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,599,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,851
−HK$9,285/mo
▼ 0.25% · 3.875%
HK$176,460
−HK$4,676/mo
Today · 4.125%
HK$181,136
baseline
▲ 0.50% · 4.625%
HK$190,684
+HK$9,548/mo
Deposit HK$3.76M · loan HK$33.87M · min. income ≈ HK$362,272/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,599,518 · Scale 2, in force from 26 Feb 2026)