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$86,230
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$88,912
−HK$2,725/mo
Today · 4.125%
HK$91,637
baseline
▲ 0.50% · 4.625%
HK$97,213
+HK$5,576/mo
Deposit HK$18.91M · loan HK$18.91M · min. income ≈ HK$183,274/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$1,607,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,929
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$98,502
−HK$2,610/mo
Today · 4.125%
HK$101,112
baseline
▲ 0.50% · 4.625%
HK$106,442
+HK$5,330/mo
Deposit HK$18.91M · loan HK$18.91M · min. income ≈ HK$202,224/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$1,607,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,475
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$106,694
−HK$3,270/mo
Today · 4.125%
HK$109,964
baseline
▲ 0.50% · 4.625%
HK$116,655
+HK$6,691/mo
Deposit HK$15.13M · loan HK$22.69M · min. income ≈ HK$219,928/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,607,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,115
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$118,203
−HK$3,132/mo
Today · 4.125%
HK$121,335
baseline
▲ 0.50% · 4.625%
HK$127,730
+HK$6,395/mo
Deposit HK$15.13M · loan HK$22.69M · min. income ≈ HK$242,670/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,607,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,721
−HK$7,571/mo
▼ 0.25% · 3.875%
HK$124,476
−HK$3,816/mo
Today · 4.125%
HK$128,292
baseline
▲ 0.50% · 4.625%
HK$136,098
+HK$7,806/mo
Deposit HK$11.34M · loan HK$26.47M · min. income ≈ HK$256,584/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,607,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,301
−HK$7,256/mo
▼ 0.25% · 3.875%
HK$137,903
−HK$3,654/mo
Today · 4.125%
HK$141,557
baseline
▲ 0.50% · 4.625%
HK$149,019
+HK$7,462/mo
Deposit HK$11.34M · loan HK$26.47M · min. income ≈ HK$283,114/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,607,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,213
−HK$9,733/mo
▼ 0.25% · 3.875%
HK$160,041
−HK$4,905/mo
Today · 4.125%
HK$164,946
baseline
▲ 0.50% · 4.625%
HK$174,983
+HK$10,037/mo
Deposit HK$3.78M · loan HK$34.03M · min. income ≈ HK$329,892/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,607,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,673
−HK$9,329/mo
▼ 0.25% · 3.875%
HK$177,304
−HK$4,698/mo
Today · 4.125%
HK$182,002
baseline
▲ 0.50% · 4.625%
HK$191,596
+HK$9,594/mo
Deposit HK$3.78M · loan HK$34.03M · min. income ≈ HK$364,004/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,607,168 · Scale 2, in force from 26 Feb 2026)