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$86,415
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$89,103
−HK$2,731/mo
Today · 4.125%
HK$91,834
baseline
▲ 0.50% · 4.625%
HK$97,422
+HK$5,588/mo
Deposit HK$18.95M · loan HK$18.95M · min. income ≈ HK$183,668/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$1,610,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,136
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$98,714
−HK$2,616/mo
Today · 4.125%
HK$101,330
baseline
▲ 0.50% · 4.625%
HK$106,671
+HK$5,341/mo
Deposit HK$18.95M · loan HK$18.95M · min. income ≈ HK$202,660/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$1,610,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,698
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$106,924
−HK$3,277/mo
Today · 4.125%
HK$110,201
baseline
▲ 0.50% · 4.625%
HK$116,907
+HK$6,706/mo
Deposit HK$15.16M · loan HK$22.74M · min. income ≈ HK$220,402/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,610,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,363
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$118,457
−HK$3,139/mo
Today · 4.125%
HK$121,596
baseline
▲ 0.50% · 4.625%
HK$128,006
+HK$6,410/mo
Deposit HK$15.16M · loan HK$22.74M · min. income ≈ HK$243,192/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,610,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,981
−HK$7,587/mo
▼ 0.25% · 3.875%
HK$124,745
−HK$3,823/mo
Today · 4.125%
HK$128,568
baseline
▲ 0.50% · 4.625%
HK$136,391
+HK$7,823/mo
Deposit HK$11.37M · loan HK$26.53M · min. income ≈ HK$257,136/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,610,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,591
−HK$7,271/mo
▼ 0.25% · 3.875%
HK$138,200
−HK$3,662/mo
Today · 4.125%
HK$141,862
baseline
▲ 0.50% · 4.625%
HK$149,340
+HK$7,478/mo
Deposit HK$11.37M · loan HK$26.53M · min. income ≈ HK$283,724/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,610,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,547
−HK$9,755/mo
▼ 0.25% · 3.875%
HK$160,386
−HK$4,916/mo
Today · 4.125%
HK$165,302
baseline
▲ 0.50% · 4.625%
HK$175,360
+HK$10,058/mo
Deposit HK$3.79M · loan HK$34.11M · min. income ≈ HK$330,604/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,610,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,045
−HK$9,349/mo
▼ 0.25% · 3.875%
HK$177,686
−HK$4,708/mo
Today · 4.125%
HK$182,394
baseline
▲ 0.50% · 4.625%
HK$192,008
+HK$9,614/mo
Deposit HK$3.79M · loan HK$34.11M · min. income ≈ HK$364,788/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,610,630 · Scale 2, in force from 26 Feb 2026)