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$86,619
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$89,313
−HK$2,737/mo
Today · 4.125%
HK$92,050
baseline
▲ 0.50% · 4.625%
HK$97,651
+HK$5,601/mo
Deposit HK$18.99M · loan HK$18.99M · min. income ≈ HK$184,100/mo (50% DSR)
Upfront cash ≈ HK$20.61M (deposit + AVD stamp duty HK$1,614,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,362
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$98,947
−HK$2,622/mo
Today · 4.125%
HK$101,569
baseline
▲ 0.50% · 4.625%
HK$106,922
+HK$5,353/mo
Deposit HK$18.99M · loan HK$18.99M · min. income ≈ HK$203,138/mo (50% DSR)
Upfront cash ≈ HK$20.61M (deposit + AVD stamp duty HK$1,614,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,942
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$107,176
−HK$3,284/mo
Today · 4.125%
HK$110,460
baseline
▲ 0.50% · 4.625%
HK$117,182
+HK$6,722/mo
Deposit HK$15.19M · loan HK$22.79M · min. income ≈ HK$220,920/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,614,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,635
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$118,736
−HK$3,146/mo
Today · 4.125%
HK$121,882
baseline
▲ 0.50% · 4.625%
HK$128,307
+HK$6,425/mo
Deposit HK$15.19M · loan HK$22.79M · min. income ≈ HK$243,764/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,614,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,266
−HK$7,605/mo
▼ 0.25% · 3.875%
HK$125,038
−HK$3,833/mo
Today · 4.125%
HK$128,871
baseline
▲ 0.50% · 4.625%
HK$136,712
+HK$7,841/mo
Deposit HK$11.40M · loan HK$26.59M · min. income ≈ HK$257,742/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,614,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,907
−HK$7,289/mo
▼ 0.25% · 3.875%
HK$138,525
−HK$3,671/mo
Today · 4.125%
HK$142,196
baseline
▲ 0.50% · 4.625%
HK$149,691
+HK$7,495/mo
Deposit HK$11.40M · loan HK$26.59M · min. income ≈ HK$284,392/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,614,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,914
−HK$9,777/mo
▼ 0.25% · 3.875%
HK$160,763
−HK$4,928/mo
Today · 4.125%
HK$165,691
baseline
▲ 0.50% · 4.625%
HK$175,773
+HK$10,082/mo
Deposit HK$3.80M · loan HK$34.19M · min. income ≈ HK$331,382/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,614,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,452
−HK$9,371/mo
▼ 0.25% · 3.875%
HK$178,104
−HK$4,719/mo
Today · 4.125%
HK$182,823
baseline
▲ 0.50% · 4.625%
HK$192,460
+HK$9,637/mo
Deposit HK$3.80M · loan HK$34.19M · min. income ≈ HK$365,646/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,614,420 · Scale 2, in force from 26 Feb 2026)