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$85,992
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$88,667
−HK$2,718/mo
Today · 4.125%
HK$91,385
baseline
▲ 0.50% · 4.625%
HK$96,945
+HK$5,560/mo
Deposit HK$18.86M · loan HK$18.86M · min. income ≈ HK$182,770/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,602,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,666
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$98,231
−HK$2,603/mo
Today · 4.125%
HK$100,834
baseline
▲ 0.50% · 4.625%
HK$106,149
+HK$5,315/mo
Deposit HK$18.86M · loan HK$18.86M · min. income ≈ HK$201,668/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,602,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,191
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$106,401
−HK$3,261/mo
Today · 4.125%
HK$109,662
baseline
▲ 0.50% · 4.625%
HK$116,334
+HK$6,672/mo
Deposit HK$15.08M · loan HK$22.63M · min. income ≈ HK$219,324/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,602,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,799
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$117,878
−HK$3,123/mo
Today · 4.125%
HK$121,001
baseline
▲ 0.50% · 4.625%
HK$127,379
+HK$6,378/mo
Deposit HK$15.08M · loan HK$22.63M · min. income ≈ HK$242,002/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,602,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,389
−HK$7,550/mo
▼ 0.25% · 3.875%
HK$124,134
−HK$3,805/mo
Today · 4.125%
HK$127,939
baseline
▲ 0.50% · 4.625%
HK$135,724
+HK$7,785/mo
Deposit HK$11.31M · loan HK$26.40M · min. income ≈ HK$255,878/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,602,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,932
−HK$7,236/mo
▼ 0.25% · 3.875%
HK$137,524
−HK$3,644/mo
Today · 4.125%
HK$141,168
baseline
▲ 0.50% · 4.625%
HK$148,609
+HK$7,441/mo
Deposit HK$11.31M · loan HK$26.40M · min. income ≈ HK$282,336/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,602,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,786
−HK$9,707/mo
▼ 0.25% · 3.875%
HK$159,601
−HK$4,892/mo
Today · 4.125%
HK$164,493
baseline
▲ 0.50% · 4.625%
HK$174,502
+HK$10,009/mo
Deposit HK$3.77M · loan HK$33.94M · min. income ≈ HK$328,986/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,198
−HK$9,303/mo
▼ 0.25% · 3.875%
HK$176,816
−HK$4,685/mo
Today · 4.125%
HK$181,501
baseline
▲ 0.50% · 4.625%
HK$191,069
+HK$9,568/mo
Deposit HK$3.77M · loan HK$33.94M · min. income ≈ HK$363,002/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,747 · Scale 2, in force from 26 Feb 2026)