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$85,582
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$88,244
−HK$2,705/mo
Today · 4.125%
HK$90,949
baseline
▲ 0.50% · 4.625%
HK$96,483
+HK$5,534/mo
Deposit HK$18.77M · loan HK$18.77M · min. income ≈ HK$181,898/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,595,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,210
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$97,763
−HK$2,590/mo
Today · 4.125%
HK$100,353
baseline
▲ 0.50% · 4.625%
HK$105,643
+HK$5,290/mo
Deposit HK$18.77M · loan HK$18.77M · min. income ≈ HK$200,706/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,595,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,699
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$105,893
−HK$3,246/mo
Today · 4.125%
HK$109,139
baseline
▲ 0.50% · 4.625%
HK$115,780
+HK$6,641/mo
Deposit HK$15.01M · loan HK$22.52M · min. income ≈ HK$218,278/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,595,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,251
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$117,316
−HK$3,108/mo
Today · 4.125%
HK$120,424
baseline
▲ 0.50% · 4.625%
HK$126,772
+HK$6,348/mo
Deposit HK$15.01M · loan HK$22.52M · min. income ≈ HK$240,848/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,595,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,815
−HK$7,514/mo
▼ 0.25% · 3.875%
HK$123,542
−HK$3,787/mo
Today · 4.125%
HK$127,329
baseline
▲ 0.50% · 4.625%
HK$135,076
+HK$7,747/mo
Deposit HK$11.26M · loan HK$26.27M · min. income ≈ HK$254,658/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,595,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,293
−HK$7,202/mo
▼ 0.25% · 3.875%
HK$136,868
−HK$3,627/mo
Today · 4.125%
HK$140,495
baseline
▲ 0.50% · 4.625%
HK$147,900
+HK$7,405/mo
Deposit HK$11.26M · loan HK$26.27M · min. income ≈ HK$280,990/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,595,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,048
−HK$9,660/mo
▼ 0.25% · 3.875%
HK$158,840
−HK$4,868/mo
Today · 4.125%
HK$163,708
baseline
▲ 0.50% · 4.625%
HK$173,670
+HK$9,962/mo
Deposit HK$3.75M · loan HK$33.78M · min. income ≈ HK$327,416/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,595,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,377
−HK$9,259/mo
▼ 0.25% · 3.875%
HK$175,973
−HK$4,663/mo
Today · 4.125%
HK$180,636
baseline
▲ 0.50% · 4.625%
HK$190,158
+HK$9,522/mo
Deposit HK$3.75M · loan HK$33.78M · min. income ≈ HK$361,272/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,595,107 · Scale 2, in force from 26 Feb 2026)