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$86,279
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$88,963
−HK$2,726/mo
Today · 4.125%
HK$91,689
baseline
▲ 0.50% · 4.625%
HK$97,268
+HK$5,579/mo
Deposit HK$18.92M · loan HK$18.92M · min. income ≈ HK$183,378/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,608,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,984
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$98,559
−HK$2,611/mo
Today · 4.125%
HK$101,170
baseline
▲ 0.50% · 4.625%
HK$106,503
+HK$5,333/mo
Deposit HK$18.92M · loan HK$18.92M · min. income ≈ HK$202,340/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,608,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,535
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$106,755
−HK$3,272/mo
Today · 4.125%
HK$110,027
baseline
▲ 0.50% · 4.625%
HK$116,722
+HK$6,695/mo
Deposit HK$15.13M · loan HK$22.70M · min. income ≈ HK$220,054/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,608,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,181
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$118,270
−HK$3,134/mo
Today · 4.125%
HK$121,404
baseline
▲ 0.50% · 4.625%
HK$127,803
+HK$6,399/mo
Deposit HK$15.13M · loan HK$22.70M · min. income ≈ HK$242,808/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,608,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,790
−HK$7,575/mo
▼ 0.25% · 3.875%
HK$124,548
−HK$3,817/mo
Today · 4.125%
HK$128,365
baseline
▲ 0.50% · 4.625%
HK$136,176
+HK$7,811/mo
Deposit HK$11.35M · loan HK$26.49M · min. income ≈ HK$256,730/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,608,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,378
−HK$7,260/mo
▼ 0.25% · 3.875%
HK$137,982
−HK$3,656/mo
Today · 4.125%
HK$141,638
baseline
▲ 0.50% · 4.625%
HK$149,104
+HK$7,466/mo
Deposit HK$11.35M · loan HK$26.49M · min. income ≈ HK$283,276/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,608,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,302
−HK$9,739/mo
▼ 0.25% · 3.875%
HK$160,133
−HK$4,908/mo
Today · 4.125%
HK$165,041
baseline
▲ 0.50% · 4.625%
HK$175,083
+HK$10,042/mo
Deposit HK$3.78M · loan HK$34.05M · min. income ≈ HK$330,082/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,608,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,772
−HK$9,334/mo
▼ 0.25% · 3.875%
HK$177,405
−HK$4,701/mo
Today · 4.125%
HK$182,106
baseline
▲ 0.50% · 4.625%
HK$191,705
+HK$9,599/mo
Deposit HK$3.78M · loan HK$34.05M · min. income ≈ HK$364,212/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,608,088 · Scale 2, in force from 26 Feb 2026)