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$86,046
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$88,723
−HK$2,719/mo
Today · 4.125%
HK$91,442
baseline
▲ 0.50% · 4.625%
HK$97,006
+HK$5,564/mo
Deposit HK$18.87M · loan HK$18.87M · min. income ≈ HK$182,884/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,603,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,726
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$98,293
−HK$2,605/mo
Today · 4.125%
HK$100,898
baseline
▲ 0.50% · 4.625%
HK$106,216
+HK$5,318/mo
Deposit HK$18.87M · loan HK$18.87M · min. income ≈ HK$201,796/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,603,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,256
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$106,468
−HK$3,263/mo
Today · 4.125%
HK$109,731
baseline
▲ 0.50% · 4.625%
HK$116,408
+HK$6,677/mo
Deposit HK$15.09M · loan HK$22.64M · min. income ≈ HK$219,462/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,603,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,871
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$117,952
−HK$3,125/mo
Today · 4.125%
HK$121,077
baseline
▲ 0.50% · 4.625%
HK$127,459
+HK$6,382/mo
Deposit HK$15.09M · loan HK$22.64M · min. income ≈ HK$242,154/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,603,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,465
−HK$7,554/mo
▼ 0.25% · 3.875%
HK$124,212
−HK$3,807/mo
Today · 4.125%
HK$128,019
baseline
▲ 0.50% · 4.625%
HK$135,809
+HK$7,790/mo
Deposit HK$11.32M · loan HK$26.41M · min. income ≈ HK$256,038/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,603,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,016
−HK$7,241/mo
▼ 0.25% · 3.875%
HK$137,610
−HK$3,647/mo
Today · 4.125%
HK$141,257
baseline
▲ 0.50% · 4.625%
HK$148,702
+HK$7,445/mo
Deposit HK$11.32M · loan HK$26.41M · min. income ≈ HK$282,514/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,603,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,884
−HK$9,712/mo
▼ 0.25% · 3.875%
HK$159,701
−HK$4,895/mo
Today · 4.125%
HK$164,596
baseline
▲ 0.50% · 4.625%
HK$174,611
+HK$10,015/mo
Deposit HK$3.77M · loan HK$33.96M · min. income ≈ HK$329,192/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,603,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,306
−HK$9,310/mo
▼ 0.25% · 3.875%
HK$176,928
−HK$4,688/mo
Today · 4.125%
HK$181,616
baseline
▲ 0.50% · 4.625%
HK$191,189
+HK$9,573/mo
Deposit HK$3.77M · loan HK$33.96M · min. income ≈ HK$363,232/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,603,755 · Scale 2, in force from 26 Feb 2026)