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$85,609
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$88,272
−HK$2,705/mo
Today · 4.125%
HK$90,977
baseline
▲ 0.50% · 4.625%
HK$96,513
+HK$5,536/mo
Deposit HK$18.77M · loan HK$18.77M · min. income ≈ HK$181,954/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,595,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,239
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$97,793
−HK$2,591/mo
Today · 4.125%
HK$100,384
baseline
▲ 0.50% · 4.625%
HK$105,676
+HK$5,292/mo
Deposit HK$18.77M · loan HK$18.77M · min. income ≈ HK$200,768/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,595,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,731
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$105,926
−HK$3,247/mo
Today · 4.125%
HK$109,173
baseline
▲ 0.50% · 4.625%
HK$115,816
+HK$6,643/mo
Deposit HK$15.02M · loan HK$22.53M · min. income ≈ HK$218,346/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,595,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,287
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$117,352
−HK$3,109/mo
Today · 4.125%
HK$120,461
baseline
▲ 0.50% · 4.625%
HK$126,811
+HK$6,350/mo
Deposit HK$15.02M · loan HK$22.53M · min. income ≈ HK$240,922/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,595,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,852
−HK$7,516/mo
▼ 0.25% · 3.875%
HK$123,580
−HK$3,788/mo
Today · 4.125%
HK$127,368
baseline
▲ 0.50% · 4.625%
HK$135,118
+HK$7,750/mo
Deposit HK$11.26M · loan HK$26.28M · min. income ≈ HK$254,736/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,595,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,334
−HK$7,204/mo
▼ 0.25% · 3.875%
HK$136,910
−HK$3,628/mo
Today · 4.125%
HK$140,538
baseline
▲ 0.50% · 4.625%
HK$147,946
+HK$7,408/mo
Deposit HK$11.26M · loan HK$26.28M · min. income ≈ HK$281,076/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,595,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,096
−HK$9,663/mo
▼ 0.25% · 3.875%
HK$158,889
−HK$4,870/mo
Today · 4.125%
HK$163,759
baseline
▲ 0.50% · 4.625%
HK$173,723
+HK$9,964/mo
Deposit HK$3.75M · loan HK$33.79M · min. income ≈ HK$327,518/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,595,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,430
−HK$9,262/mo
▼ 0.25% · 3.875%
HK$176,028
−HK$4,664/mo
Today · 4.125%
HK$180,692
baseline
▲ 0.50% · 4.625%
HK$190,216
+HK$9,524/mo
Deposit HK$3.75M · loan HK$33.79M · min. income ≈ HK$361,384/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,595,598 · Scale 2, in force from 26 Feb 2026)