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$85,732
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$88,399
−HK$2,709/mo
Today · 4.125%
HK$91,108
baseline
▲ 0.50% · 4.625%
HK$96,652
+HK$5,544/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$182,216/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,597,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,376
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$97,934
−HK$2,595/mo
Today · 4.125%
HK$100,529
baseline
▲ 0.50% · 4.625%
HK$105,828
+HK$5,299/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$201,058/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,597,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,878
−HK$6,452/mo
▼ 0.25% · 3.875%
HK$106,078
−HK$3,252/mo
Today · 4.125%
HK$109,330
baseline
▲ 0.50% · 4.625%
HK$115,982
+HK$6,652/mo
Deposit HK$15.04M · loan HK$22.56M · min. income ≈ HK$218,660/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,597,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,451
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$117,521
−HK$3,114/mo
Today · 4.125%
HK$120,635
baseline
▲ 0.50% · 4.625%
HK$126,993
+HK$6,358/mo
Deposit HK$15.04M · loan HK$22.56M · min. income ≈ HK$241,270/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,597,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,025
−HK$7,526/mo
▼ 0.25% · 3.875%
HK$123,758
−HK$3,793/mo
Today · 4.125%
HK$127,551
baseline
▲ 0.50% · 4.625%
HK$135,313
+HK$7,762/mo
Deposit HK$11.28M · loan HK$26.32M · min. income ≈ HK$255,102/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,597,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,526
−HK$7,214/mo
▼ 0.25% · 3.875%
HK$137,107
−HK$3,633/mo
Today · 4.125%
HK$140,740
baseline
▲ 0.50% · 4.625%
HK$148,159
+HK$7,419/mo
Deposit HK$11.28M · loan HK$26.32M · min. income ≈ HK$281,480/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,597,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,318
−HK$9,677/mo
▼ 0.25% · 3.875%
HK$159,118
−HK$4,877/mo
Today · 4.125%
HK$163,995
baseline
▲ 0.50% · 4.625%
HK$173,973
+HK$9,978/mo
Deposit HK$3.76M · loan HK$33.84M · min. income ≈ HK$327,990/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,677
−HK$9,275/mo
▼ 0.25% · 3.875%
HK$176,281
−HK$4,671/mo
Today · 4.125%
HK$180,952
baseline
▲ 0.50% · 4.625%
HK$190,490
+HK$9,538/mo
Deposit HK$3.76M · loan HK$33.84M · min. income ≈ HK$361,904/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,895 · Scale 2, in force from 26 Feb 2026)