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$85,422
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$88,079
−HK$2,699/mo
Today · 4.125%
HK$90,778
baseline
▲ 0.50% · 4.625%
HK$96,302
+HK$5,524/mo
Deposit HK$18.73M · loan HK$18.73M · min. income ≈ HK$181,556/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,592,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,031
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$97,580
−HK$2,585/mo
Today · 4.125%
HK$100,165
baseline
▲ 0.50% · 4.625%
HK$105,445
+HK$5,280/mo
Deposit HK$18.73M · loan HK$18.73M · min. income ≈ HK$200,330/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,592,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,506
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$105,695
−HK$3,239/mo
Today · 4.125%
HK$108,934
baseline
▲ 0.50% · 4.625%
HK$115,563
+HK$6,629/mo
Deposit HK$14.98M · loan HK$22.48M · min. income ≈ HK$217,868/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,592,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,037
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$117,095
−HK$3,103/mo
Today · 4.125%
HK$120,198
baseline
▲ 0.50% · 4.625%
HK$126,534
+HK$6,336/mo
Deposit HK$14.98M · loan HK$22.48M · min. income ≈ HK$240,396/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,592,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,590
−HK$7,500/mo
▼ 0.25% · 3.875%
HK$123,310
−HK$3,780/mo
Today · 4.125%
HK$127,090
baseline
▲ 0.50% · 4.625%
HK$134,823
+HK$7,733/mo
Deposit HK$11.24M · loan HK$26.22M · min. income ≈ HK$254,180/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,592,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,043
−HK$7,188/mo
▼ 0.25% · 3.875%
HK$136,611
−HK$3,620/mo
Today · 4.125%
HK$140,231
baseline
▲ 0.50% · 4.625%
HK$147,623
+HK$7,392/mo
Deposit HK$11.24M · loan HK$26.22M · min. income ≈ HK$280,462/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,592,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,759
−HK$9,642/mo
▼ 0.25% · 3.875%
HK$158,542
−HK$4,859/mo
Today · 4.125%
HK$163,401
baseline
▲ 0.50% · 4.625%
HK$173,344
+HK$9,943/mo
Deposit HK$3.75M · loan HK$33.72M · min. income ≈ HK$326,802/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,592,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,056
−HK$9,241/mo
▼ 0.25% · 3.875%
HK$175,643
−HK$4,654/mo
Today · 4.125%
HK$180,297
baseline
▲ 0.50% · 4.625%
HK$189,801
+HK$9,504/mo
Deposit HK$3.75M · loan HK$33.72M · min. income ≈ HK$360,594/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,592,113 · Scale 2, in force from 26 Feb 2026)