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$85,593
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$88,255
−HK$2,705/mo
Today · 4.125%
HK$90,960
baseline
▲ 0.50% · 4.625%
HK$96,495
+HK$5,535/mo
Deposit HK$18.77M · loan HK$18.77M · min. income ≈ HK$181,920/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,595,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,221
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$97,775
−HK$2,590/mo
Today · 4.125%
HK$100,365
baseline
▲ 0.50% · 4.625%
HK$105,656
+HK$5,291/mo
Deposit HK$18.77M · loan HK$18.77M · min. income ≈ HK$200,730/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,595,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,711
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$105,906
−HK$3,246/mo
Today · 4.125%
HK$109,152
baseline
▲ 0.50% · 4.625%
HK$115,794
+HK$6,642/mo
Deposit HK$15.01M · loan HK$22.52M · min. income ≈ HK$218,304/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,595,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,265
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$117,330
−HK$3,108/mo
Today · 4.125%
HK$120,438
baseline
▲ 0.50% · 4.625%
HK$126,787
+HK$6,349/mo
Deposit HK$15.01M · loan HK$22.52M · min. income ≈ HK$240,876/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,595,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,830
−HK$7,514/mo
▼ 0.25% · 3.875%
HK$123,557
−HK$3,787/mo
Today · 4.125%
HK$127,344
baseline
▲ 0.50% · 4.625%
HK$135,093
+HK$7,749/mo
Deposit HK$11.26M · loan HK$26.28M · min. income ≈ HK$254,688/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,595,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,309
−HK$7,203/mo
▼ 0.25% · 3.875%
HK$136,885
−HK$3,627/mo
Today · 4.125%
HK$140,512
baseline
▲ 0.50% · 4.625%
HK$147,918
+HK$7,406/mo
Deposit HK$11.26M · loan HK$26.28M · min. income ≈ HK$281,024/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,595,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,067
−HK$9,661/mo
▼ 0.25% · 3.875%
HK$158,859
−HK$4,869/mo
Today · 4.125%
HK$163,728
baseline
▲ 0.50% · 4.625%
HK$173,690
+HK$9,962/mo
Deposit HK$3.75M · loan HK$33.78M · min. income ≈ HK$327,456/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,595,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,398
−HK$9,260/mo
▼ 0.25% · 3.875%
HK$175,994
−HK$4,664/mo
Today · 4.125%
HK$180,658
baseline
▲ 0.50% · 4.625%
HK$190,180
+HK$9,522/mo
Deposit HK$3.75M · loan HK$33.78M · min. income ≈ HK$361,316/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,595,297 · Scale 2, in force from 26 Feb 2026)