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$85,986
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$88,661
−HK$2,717/mo
Today · 4.125%
HK$91,378
baseline
▲ 0.50% · 4.625%
HK$96,939
+HK$5,561/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$182,756/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,602,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,659
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$98,224
−HK$2,603/mo
Today · 4.125%
HK$100,827
baseline
▲ 0.50% · 4.625%
HK$106,142
+HK$5,315/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$201,654/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,602,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,184
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$106,393
−HK$3,261/mo
Today · 4.125%
HK$109,654
baseline
▲ 0.50% · 4.625%
HK$116,326
+HK$6,672/mo
Deposit HK$15.08M · loan HK$22.63M · min. income ≈ HK$219,308/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,602,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,791
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$117,869
−HK$3,123/mo
Today · 4.125%
HK$120,992
baseline
▲ 0.50% · 4.625%
HK$127,370
+HK$6,378/mo
Deposit HK$15.08M · loan HK$22.63M · min. income ≈ HK$241,984/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,602,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,381
−HK$7,549/mo
▼ 0.25% · 3.875%
HK$124,125
−HK$3,805/mo
Today · 4.125%
HK$127,930
baseline
▲ 0.50% · 4.625%
HK$135,714
+HK$7,784/mo
Deposit HK$11.31M · loan HK$26.40M · min. income ≈ HK$255,860/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,602,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,922
−HK$7,236/mo
▼ 0.25% · 3.875%
HK$137,514
−HK$3,644/mo
Today · 4.125%
HK$141,158
baseline
▲ 0.50% · 4.625%
HK$148,598
+HK$7,440/mo
Deposit HK$11.31M · loan HK$26.40M · min. income ≈ HK$282,316/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,602,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,775
−HK$9,706/mo
▼ 0.25% · 3.875%
HK$159,590
−HK$4,891/mo
Today · 4.125%
HK$164,481
baseline
▲ 0.50% · 4.625%
HK$174,489
+HK$10,008/mo
Deposit HK$3.77M · loan HK$33.94M · min. income ≈ HK$328,962/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,186
−HK$9,303/mo
▼ 0.25% · 3.875%
HK$176,804
−HK$4,685/mo
Today · 4.125%
HK$181,489
baseline
▲ 0.50% · 4.625%
HK$191,055
+HK$9,566/mo
Deposit HK$3.77M · loan HK$33.94M · min. income ≈ HK$362,978/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,634 · Scale 2, in force from 26 Feb 2026)