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$86,260
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$88,943
−HK$2,726/mo
Today · 4.125%
HK$91,669
baseline
▲ 0.50% · 4.625%
HK$97,247
+HK$5,578/mo
Deposit HK$18.91M · loan HK$18.91M · min. income ≈ HK$183,338/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$1,607,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,963
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,537
−HK$2,611/mo
Today · 4.125%
HK$101,148
baseline
▲ 0.50% · 4.625%
HK$106,479
+HK$5,331/mo
Deposit HK$18.91M · loan HK$18.91M · min. income ≈ HK$202,296/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$1,607,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,512
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$106,732
−HK$3,271/mo
Today · 4.125%
HK$110,003
baseline
▲ 0.50% · 4.625%
HK$116,696
+HK$6,693/mo
Deposit HK$15.13M · loan HK$22.70M · min. income ≈ HK$220,006/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,607,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,156
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$118,244
−HK$3,133/mo
Today · 4.125%
HK$121,377
baseline
▲ 0.50% · 4.625%
HK$127,775
+HK$6,398/mo
Deposit HK$15.13M · loan HK$22.70M · min. income ≈ HK$242,754/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,607,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,764
−HK$7,573/mo
▼ 0.25% · 3.875%
HK$124,520
−HK$3,817/mo
Today · 4.125%
HK$128,337
baseline
▲ 0.50% · 4.625%
HK$136,146
+HK$7,809/mo
Deposit HK$11.35M · loan HK$26.48M · min. income ≈ HK$256,674/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,607,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,348
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$137,952
−HK$3,655/mo
Today · 4.125%
HK$141,607
baseline
▲ 0.50% · 4.625%
HK$149,071
+HK$7,464/mo
Deposit HK$11.35M · loan HK$26.48M · min. income ≈ HK$283,214/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,607,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,268
−HK$9,736/mo
▼ 0.25% · 3.875%
HK$160,097
−HK$4,907/mo
Today · 4.125%
HK$165,004
baseline
▲ 0.50% · 4.625%
HK$175,044
+HK$10,040/mo
Deposit HK$3.78M · loan HK$34.05M · min. income ≈ HK$330,008/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,607,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,734
−HK$9,332/mo
▼ 0.25% · 3.875%
HK$177,366
−HK$4,700/mo
Today · 4.125%
HK$182,066
baseline
▲ 0.50% · 4.625%
HK$191,663
+HK$9,597/mo
Deposit HK$3.78M · loan HK$34.05M · min. income ≈ HK$364,132/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,607,732 · Scale 2, in force from 26 Feb 2026)