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$85,643
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$88,307
−HK$2,706/mo
Today · 4.125%
HK$91,013
baseline
▲ 0.50% · 4.625%
HK$96,551
+HK$5,538/mo
Deposit HK$18.78M · loan HK$18.78M · min. income ≈ HK$182,026/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,596,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,277
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$97,832
−HK$2,592/mo
Today · 4.125%
HK$100,424
baseline
▲ 0.50% · 4.625%
HK$105,718
+HK$5,294/mo
Deposit HK$18.78M · loan HK$18.78M · min. income ≈ HK$200,848/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,596,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,771
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$105,968
−HK$3,248/mo
Today · 4.125%
HK$109,216
baseline
▲ 0.50% · 4.625%
HK$115,861
+HK$6,645/mo
Deposit HK$15.02M · loan HK$22.54M · min. income ≈ HK$218,432/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,596,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,332
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$117,398
−HK$3,111/mo
Today · 4.125%
HK$120,509
baseline
▲ 0.50% · 4.625%
HK$126,861
+HK$6,352/mo
Deposit HK$15.02M · loan HK$22.54M · min. income ≈ HK$241,018/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,596,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,900
−HK$7,519/mo
▼ 0.25% · 3.875%
HK$123,629
−HK$3,790/mo
Today · 4.125%
HK$127,419
baseline
▲ 0.50% · 4.625%
HK$135,172
+HK$7,753/mo
Deposit HK$11.27M · loan HK$26.29M · min. income ≈ HK$254,838/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,596,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,387
−HK$7,207/mo
▼ 0.25% · 3.875%
HK$136,965
−HK$3,629/mo
Today · 4.125%
HK$140,594
baseline
▲ 0.50% · 4.625%
HK$148,005
+HK$7,411/mo
Deposit HK$11.27M · loan HK$26.29M · min. income ≈ HK$281,188/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,596,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,157
−HK$9,667/mo
▼ 0.25% · 3.875%
HK$158,952
−HK$4,872/mo
Today · 4.125%
HK$163,824
baseline
▲ 0.50% · 4.625%
HK$173,792
+HK$9,968/mo
Deposit HK$3.76M · loan HK$33.80M · min. income ≈ HK$327,648/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,596,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,498
−HK$9,265/mo
▼ 0.25% · 3.875%
HK$176,097
−HK$4,666/mo
Today · 4.125%
HK$180,763
baseline
▲ 0.50% · 4.625%
HK$190,292
+HK$9,529/mo
Deposit HK$3.76M · loan HK$33.80M · min. income ≈ HK$361,526/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,596,231 · Scale 2, in force from 26 Feb 2026)