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$85,737
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$88,404
−HK$2,709/mo
Today · 4.125%
HK$91,113
baseline
▲ 0.50% · 4.625%
HK$96,657
+HK$5,544/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$182,226/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,597,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,381
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$97,939
−HK$2,596/mo
Today · 4.125%
HK$100,535
baseline
▲ 0.50% · 4.625%
HK$105,834
+HK$5,299/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$201,070/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,597,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,884
−HK$6,452/mo
▼ 0.25% · 3.875%
HK$106,084
−HK$3,252/mo
Today · 4.125%
HK$109,336
baseline
▲ 0.50% · 4.625%
HK$115,989
+HK$6,653/mo
Deposit HK$15.04M · loan HK$22.56M · min. income ≈ HK$218,672/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,597,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,458
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$117,527
−HK$3,114/mo
Today · 4.125%
HK$120,641
baseline
▲ 0.50% · 4.625%
HK$127,001
+HK$6,360/mo
Deposit HK$15.04M · loan HK$22.56M · min. income ≈ HK$241,282/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,597,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,032
−HK$7,527/mo
▼ 0.25% · 3.875%
HK$123,765
−HK$3,794/mo
Today · 4.125%
HK$127,559
baseline
▲ 0.50% · 4.625%
HK$135,320
+HK$7,761/mo
Deposit HK$11.28M · loan HK$26.32M · min. income ≈ HK$255,118/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,597,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,534
−HK$7,214/mo
▼ 0.25% · 3.875%
HK$137,115
−HK$3,633/mo
Today · 4.125%
HK$140,748
baseline
▲ 0.50% · 4.625%
HK$148,167
+HK$7,419/mo
Deposit HK$11.28M · loan HK$26.32M · min. income ≈ HK$281,496/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,597,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,326
−HK$9,678/mo
▼ 0.25% · 3.875%
HK$159,127
−HK$4,877/mo
Today · 4.125%
HK$164,004
baseline
▲ 0.50% · 4.625%
HK$173,983
+HK$9,979/mo
Deposit HK$3.76M · loan HK$33.84M · min. income ≈ HK$328,008/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,686
−HK$9,276/mo
▼ 0.25% · 3.875%
HK$176,291
−HK$4,671/mo
Today · 4.125%
HK$180,962
baseline
▲ 0.50% · 4.625%
HK$190,501
+HK$9,539/mo
Deposit HK$3.76M · loan HK$33.84M · min. income ≈ HK$361,924/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,985 · Scale 2, in force from 26 Feb 2026)