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$85,720
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$88,386
−HK$2,709/mo
Today · 4.125%
HK$91,095
baseline
▲ 0.50% · 4.625%
HK$96,638
+HK$5,543/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$182,190/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,597,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,362
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$97,920
−HK$2,595/mo
Today · 4.125%
HK$100,515
baseline
▲ 0.50% · 4.625%
HK$105,813
+HK$5,298/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$201,030/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,597,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,864
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$106,063
−HK$3,251/mo
Today · 4.125%
HK$109,314
baseline
▲ 0.50% · 4.625%
HK$115,966
+HK$6,652/mo
Deposit HK$15.04M · loan HK$22.56M · min. income ≈ HK$218,628/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,597,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,435
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$117,504
−HK$3,113/mo
Today · 4.125%
HK$120,617
baseline
▲ 0.50% · 4.625%
HK$126,975
+HK$6,358/mo
Deposit HK$15.04M · loan HK$22.56M · min. income ≈ HK$241,234/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,597,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,008
−HK$7,525/mo
▼ 0.25% · 3.875%
HK$123,741
−HK$3,792/mo
Today · 4.125%
HK$127,533
baseline
▲ 0.50% · 4.625%
HK$135,293
+HK$7,760/mo
Deposit HK$11.28M · loan HK$26.31M · min. income ≈ HK$255,066/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,597,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,507
−HK$7,213/mo
▼ 0.25% · 3.875%
HK$137,088
−HK$3,632/mo
Today · 4.125%
HK$140,720
baseline
▲ 0.50% · 4.625%
HK$148,138
+HK$7,418/mo
Deposit HK$11.28M · loan HK$26.31M · min. income ≈ HK$281,440/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,597,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,296
−HK$9,675/mo
▼ 0.25% · 3.875%
HK$159,095
−HK$4,876/mo
Today · 4.125%
HK$163,971
baseline
▲ 0.50% · 4.625%
HK$173,949
+HK$9,978/mo
Deposit HK$3.76M · loan HK$33.83M · min. income ≈ HK$327,942/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,652
−HK$9,274/mo
▼ 0.25% · 3.875%
HK$176,256
−HK$4,670/mo
Today · 4.125%
HK$180,926
baseline
▲ 0.50% · 4.625%
HK$190,463
+HK$9,537/mo
Deposit HK$3.76M · loan HK$33.83M · min. income ≈ HK$361,852/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,667 · Scale 2, in force from 26 Feb 2026)