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$85,942
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,615
−HK$2,716/mo
Today · 4.125%
HK$91,331
baseline
▲ 0.50% · 4.625%
HK$96,889
+HK$5,558/mo
Deposit HK$18.84M · loan HK$18.84M · min. income ≈ HK$182,662/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,601,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,610
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$98,174
−HK$2,601/mo
Today · 4.125%
HK$100,775
baseline
▲ 0.50% · 4.625%
HK$106,087
+HK$5,312/mo
Deposit HK$18.84M · loan HK$18.84M · min. income ≈ HK$201,550/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,601,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,130
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$106,338
−HK$3,260/mo
Today · 4.125%
HK$109,598
baseline
▲ 0.50% · 4.625%
HK$116,266
+HK$6,668/mo
Deposit HK$15.08M · loan HK$22.61M · min. income ≈ HK$219,196/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,601,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,732
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$117,809
−HK$3,121/mo
Today · 4.125%
HK$120,930
baseline
▲ 0.50% · 4.625%
HK$127,305
+HK$6,375/mo
Deposit HK$15.08M · loan HK$22.61M · min. income ≈ HK$241,860/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,601,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,319
−HK$7,545/mo
▼ 0.25% · 3.875%
HK$124,061
−HK$3,803/mo
Today · 4.125%
HK$127,864
baseline
▲ 0.50% · 4.625%
HK$135,644
+HK$7,780/mo
Deposit HK$11.31M · loan HK$26.38M · min. income ≈ HK$255,728/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,601,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,853
−HK$7,232/mo
▼ 0.25% · 3.875%
HK$137,443
−HK$3,642/mo
Today · 4.125%
HK$141,085
baseline
▲ 0.50% · 4.625%
HK$148,522
+HK$7,437/mo
Deposit HK$11.31M · loan HK$26.38M · min. income ≈ HK$282,170/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,601,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,696
−HK$9,700/mo
▼ 0.25% · 3.875%
HK$159,508
−HK$4,888/mo
Today · 4.125%
HK$164,396
baseline
▲ 0.50% · 4.625%
HK$174,399
+HK$10,003/mo
Deposit HK$3.77M · loan HK$33.92M · min. income ≈ HK$328,792/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,097
−HK$9,298/mo
▼ 0.25% · 3.875%
HK$176,713
−HK$4,682/mo
Today · 4.125%
HK$181,395
baseline
▲ 0.50% · 4.625%
HK$190,957
+HK$9,562/mo
Deposit HK$3.77M · loan HK$33.92M · min. income ≈ HK$362,790/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,809 · Scale 2, in force from 26 Feb 2026)