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$85,843
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$88,514
−HK$2,712/mo
Today · 4.125%
HK$91,226
baseline
▲ 0.50% · 4.625%
HK$96,777
+HK$5,551/mo
Deposit HK$18.82M · loan HK$18.82M · min. income ≈ HK$182,452/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,599,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,500
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,061
−HK$2,598/mo
Today · 4.125%
HK$100,659
baseline
▲ 0.50% · 4.625%
HK$105,965
+HK$5,306/mo
Deposit HK$18.82M · loan HK$18.82M · min. income ≈ HK$201,318/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,599,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,012
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$106,216
−HK$3,256/mo
Today · 4.125%
HK$109,472
baseline
▲ 0.50% · 4.625%
HK$116,133
+HK$6,661/mo
Deposit HK$15.06M · loan HK$22.59M · min. income ≈ HK$218,944/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,599,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,600
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$117,673
−HK$3,118/mo
Today · 4.125%
HK$120,791
baseline
▲ 0.50% · 4.625%
HK$127,158
+HK$6,367/mo
Deposit HK$15.06M · loan HK$22.59M · min. income ≈ HK$241,582/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,599,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,181
−HK$7,536/mo
▼ 0.25% · 3.875%
HK$123,919
−HK$3,798/mo
Today · 4.125%
HK$127,717
baseline
▲ 0.50% · 4.625%
HK$135,488
+HK$7,771/mo
Deposit HK$11.29M · loan HK$26.35M · min. income ≈ HK$255,434/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,599,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,700
−HK$7,223/mo
▼ 0.25% · 3.875%
HK$137,286
−HK$3,637/mo
Today · 4.125%
HK$140,923
baseline
▲ 0.50% · 4.625%
HK$148,351
+HK$7,428/mo
Deposit HK$11.29M · loan HK$26.35M · min. income ≈ HK$281,846/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,599,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,518
−HK$9,690/mo
▼ 0.25% · 3.875%
HK$159,324
−HK$4,884/mo
Today · 4.125%
HK$164,208
baseline
▲ 0.50% · 4.625%
HK$174,199
+HK$9,991/mo
Deposit HK$3.76M · loan HK$33.88M · min. income ≈ HK$328,416/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,599,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,900
−HK$9,287/mo
▼ 0.25% · 3.875%
HK$176,510
−HK$4,677/mo
Today · 4.125%
HK$181,187
baseline
▲ 0.50% · 4.625%
HK$190,738
+HK$9,551/mo
Deposit HK$3.76M · loan HK$33.88M · min. income ≈ HK$362,374/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,599,970 · Scale 2, in force from 26 Feb 2026)