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$86,341
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$89,027
−HK$2,728/mo
Today · 4.125%
HK$91,755
baseline
▲ 0.50% · 4.625%
HK$97,338
+HK$5,583/mo
Deposit HK$18.93M · loan HK$18.93M · min. income ≈ HK$183,510/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$1,609,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,053
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$98,629
−HK$2,614/mo
Today · 4.125%
HK$101,243
baseline
▲ 0.50% · 4.625%
HK$106,579
+HK$5,336/mo
Deposit HK$18.93M · loan HK$18.93M · min. income ≈ HK$202,486/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$1,609,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,609
−HK$6,497/mo
▼ 0.25% · 3.875%
HK$106,832
−HK$3,274/mo
Today · 4.125%
HK$110,106
baseline
▲ 0.50% · 4.625%
HK$116,806
+HK$6,700/mo
Deposit HK$15.15M · loan HK$22.72M · min. income ≈ HK$220,212/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,609,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,264
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$118,355
−HK$3,136/mo
Today · 4.125%
HK$121,491
baseline
▲ 0.50% · 4.625%
HK$127,895
+HK$6,404/mo
Deposit HK$15.15M · loan HK$22.72M · min. income ≈ HK$242,982/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,609,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,877
−HK$7,580/mo
▼ 0.25% · 3.875%
HK$124,637
−HK$3,820/mo
Today · 4.125%
HK$128,457
baseline
▲ 0.50% · 4.625%
HK$136,274
+HK$7,817/mo
Deposit HK$11.36M · loan HK$26.51M · min. income ≈ HK$256,914/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,609,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,475
−HK$7,265/mo
▼ 0.25% · 3.875%
HK$138,081
−HK$3,659/mo
Today · 4.125%
HK$141,740
baseline
▲ 0.50% · 4.625%
HK$149,211
+HK$7,471/mo
Deposit HK$11.36M · loan HK$26.51M · min. income ≈ HK$283,480/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,609,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,414
−HK$9,745/mo
▼ 0.25% · 3.875%
HK$160,248
−HK$4,911/mo
Today · 4.125%
HK$165,159
baseline
▲ 0.50% · 4.625%
HK$175,209
+HK$10,050/mo
Deposit HK$3.79M · loan HK$34.08M · min. income ≈ HK$330,318/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,609,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,896
−HK$9,341/mo
▼ 0.25% · 3.875%
HK$177,533
−HK$4,704/mo
Today · 4.125%
HK$182,237
baseline
▲ 0.50% · 4.625%
HK$191,843
+HK$9,606/mo
Deposit HK$3.79M · loan HK$34.08M · min. income ≈ HK$364,474/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,609,244 · Scale 2, in force from 26 Feb 2026)