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$86,696
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$89,393
−HK$2,740/mo
Today · 4.125%
HK$92,133
baseline
▲ 0.50% · 4.625%
HK$97,739
+HK$5,606/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$184,266/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,615,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,449
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$99,035
−HK$2,625/mo
Today · 4.125%
HK$101,660
baseline
▲ 0.50% · 4.625%
HK$107,018
+HK$5,358/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$203,320/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,615,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,036
−HK$6,524/mo
▼ 0.25% · 3.875%
HK$107,272
−HK$3,288/mo
Today · 4.125%
HK$110,560
baseline
▲ 0.50% · 4.625%
HK$117,287
+HK$6,727/mo
Deposit HK$15.21M · loan HK$22.81M · min. income ≈ HK$221,120/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,739
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$118,843
−HK$3,149/mo
Today · 4.125%
HK$121,992
baseline
▲ 0.50% · 4.625%
HK$128,422
+HK$6,430/mo
Deposit HK$15.21M · loan HK$22.81M · min. income ≈ HK$243,984/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,375
−HK$7,611/mo
▼ 0.25% · 3.875%
HK$125,150
−HK$3,836/mo
Today · 4.125%
HK$128,986
baseline
▲ 0.50% · 4.625%
HK$136,835
+HK$7,849/mo
Deposit HK$11.41M · loan HK$26.61M · min. income ≈ HK$257,972/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,028
−HK$7,295/mo
▼ 0.25% · 3.875%
HK$138,650
−HK$3,673/mo
Today · 4.125%
HK$142,323
baseline
▲ 0.50% · 4.625%
HK$149,826
+HK$7,503/mo
Deposit HK$11.41M · loan HK$26.61M · min. income ≈ HK$284,646/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,053
−HK$9,786/mo
▼ 0.25% · 3.875%
HK$160,908
−HK$4,931/mo
Today · 4.125%
HK$165,839
baseline
▲ 0.50% · 4.625%
HK$175,930
+HK$10,091/mo
Deposit HK$3.80M · loan HK$34.22M · min. income ≈ HK$331,678/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,608
−HK$9,379/mo
▼ 0.25% · 3.875%
HK$178,264
−HK$4,723/mo
Today · 4.125%
HK$182,987
baseline
▲ 0.50% · 4.625%
HK$192,633
+HK$9,646/mo
Deposit HK$3.80M · loan HK$34.22M · min. income ≈ HK$365,974/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,868 · Scale 2, in force from 26 Feb 2026)