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$85,591
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$88,253
−HK$2,705/mo
Today · 4.125%
HK$90,958
baseline
▲ 0.50% · 4.625%
HK$96,492
+HK$5,534/mo
Deposit HK$18.77M · loan HK$18.77M · min. income ≈ HK$181,916/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,595,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,219
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$97,772
−HK$2,591/mo
Today · 4.125%
HK$100,363
baseline
▲ 0.50% · 4.625%
HK$105,653
+HK$5,290/mo
Deposit HK$18.77M · loan HK$18.77M · min. income ≈ HK$200,726/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,595,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,709
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$105,903
−HK$3,246/mo
Today · 4.125%
HK$109,149
baseline
▲ 0.50% · 4.625%
HK$115,791
+HK$6,642/mo
Deposit HK$15.01M · loan HK$22.52M · min. income ≈ HK$218,298/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,595,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,262
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$117,327
−HK$3,109/mo
Today · 4.125%
HK$120,436
baseline
▲ 0.50% · 4.625%
HK$126,784
+HK$6,348/mo
Deposit HK$15.01M · loan HK$22.52M · min. income ≈ HK$240,872/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,595,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,827
−HK$7,514/mo
▼ 0.25% · 3.875%
HK$123,554
−HK$3,787/mo
Today · 4.125%
HK$127,341
baseline
▲ 0.50% · 4.625%
HK$135,089
+HK$7,748/mo
Deposit HK$11.26M · loan HK$26.27M · min. income ≈ HK$254,682/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,595,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,306
−HK$7,202/mo
▼ 0.25% · 3.875%
HK$136,881
−HK$3,627/mo
Today · 4.125%
HK$140,508
baseline
▲ 0.50% · 4.625%
HK$147,915
+HK$7,407/mo
Deposit HK$11.26M · loan HK$26.27M · min. income ≈ HK$281,016/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,595,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,063
−HK$9,661/mo
▼ 0.25% · 3.875%
HK$158,855
−HK$4,869/mo
Today · 4.125%
HK$163,724
baseline
▲ 0.50% · 4.625%
HK$173,686
+HK$9,962/mo
Deposit HK$3.75M · loan HK$33.78M · min. income ≈ HK$327,448/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,595,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,394
−HK$9,259/mo
▼ 0.25% · 3.875%
HK$175,990
−HK$4,663/mo
Today · 4.125%
HK$180,653
baseline
▲ 0.50% · 4.625%
HK$190,176
+HK$9,523/mo
Deposit HK$3.75M · loan HK$33.78M · min. income ≈ HK$361,306/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,595,259 · Scale 2, in force from 26 Feb 2026)