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$86,391
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$89,079
−HK$2,730/mo
Today · 4.125%
HK$91,809
baseline
▲ 0.50% · 4.625%
HK$97,395
+HK$5,586/mo
Deposit HK$18.94M · loan HK$18.94M · min. income ≈ HK$183,618/mo (50% DSR)
Upfront cash ≈ HK$20.55M (deposit + AVD stamp duty HK$1,610,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,110
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$98,687
−HK$2,615/mo
Today · 4.125%
HK$101,302
baseline
▲ 0.50% · 4.625%
HK$106,642
+HK$5,340/mo
Deposit HK$18.94M · loan HK$18.94M · min. income ≈ HK$202,604/mo (50% DSR)
Upfront cash ≈ HK$20.55M (deposit + AVD stamp duty HK$1,610,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,670
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$106,894
−HK$3,277/mo
Today · 4.125%
HK$110,171
baseline
▲ 0.50% · 4.625%
HK$116,874
+HK$6,703/mo
Deposit HK$15.15M · loan HK$22.73M · min. income ≈ HK$220,342/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,610,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,332
−HK$6,231/mo
▼ 0.25% · 3.875%
HK$118,425
−HK$3,138/mo
Today · 4.125%
HK$121,563
baseline
▲ 0.50% · 4.625%
HK$127,970
+HK$6,407/mo
Deposit HK$15.15M · loan HK$22.73M · min. income ≈ HK$243,126/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,610,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,948
−HK$7,585/mo
▼ 0.25% · 3.875%
HK$124,710
−HK$3,823/mo
Today · 4.125%
HK$128,533
baseline
▲ 0.50% · 4.625%
HK$136,353
+HK$7,820/mo
Deposit HK$11.37M · loan HK$26.52M · min. income ≈ HK$257,066/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,610,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,554
−HK$7,269/mo
▼ 0.25% · 3.875%
HK$138,162
−HK$3,661/mo
Today · 4.125%
HK$141,823
baseline
▲ 0.50% · 4.625%
HK$149,299
+HK$7,476/mo
Deposit HK$11.37M · loan HK$26.52M · min. income ≈ HK$283,646/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,610,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,505
−HK$9,751/mo
▼ 0.25% · 3.875%
HK$160,342
−HK$4,914/mo
Today · 4.125%
HK$165,256
baseline
▲ 0.50% · 4.625%
HK$175,312
+HK$10,056/mo
Deposit HK$3.79M · loan HK$34.10M · min. income ≈ HK$330,512/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,610,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,997
−HK$9,347/mo
▼ 0.25% · 3.875%
HK$177,637
−HK$4,707/mo
Today · 4.125%
HK$182,344
baseline
▲ 0.50% · 4.625%
HK$191,955
+HK$9,611/mo
Deposit HK$3.79M · loan HK$34.10M · min. income ≈ HK$364,688/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,610,187 · Scale 2, in force from 26 Feb 2026)