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$86,273
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$88,957
−HK$2,726/mo
Today · 4.125%
HK$91,683
baseline
▲ 0.50% · 4.625%
HK$97,262
+HK$5,579/mo
Deposit HK$18.92M · loan HK$18.92M · min. income ≈ HK$183,366/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,607,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,978
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,552
−HK$2,611/mo
Today · 4.125%
HK$101,163
baseline
▲ 0.50% · 4.625%
HK$106,496
+HK$5,333/mo
Deposit HK$18.92M · loan HK$18.92M · min. income ≈ HK$202,326/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,607,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,528
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$106,748
−HK$3,272/mo
Today · 4.125%
HK$110,020
baseline
▲ 0.50% · 4.625%
HK$116,714
+HK$6,694/mo
Deposit HK$15.13M · loan HK$22.70M · min. income ≈ HK$220,040/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,607,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,174
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$118,263
−HK$3,133/mo
Today · 4.125%
HK$121,396
baseline
▲ 0.50% · 4.625%
HK$127,795
+HK$6,399/mo
Deposit HK$15.13M · loan HK$22.70M · min. income ≈ HK$242,792/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,607,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,782
−HK$7,575/mo
▼ 0.25% · 3.875%
HK$124,539
−HK$3,818/mo
Today · 4.125%
HK$128,357
baseline
▲ 0.50% · 4.625%
HK$136,167
+HK$7,810/mo
Deposit HK$11.35M · loan HK$26.48M · min. income ≈ HK$256,714/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,607,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,369
−HK$7,260/mo
▼ 0.25% · 3.875%
HK$137,973
−HK$3,656/mo
Today · 4.125%
HK$141,629
baseline
▲ 0.50% · 4.625%
HK$149,094
+HK$7,465/mo
Deposit HK$11.35M · loan HK$26.48M · min. income ≈ HK$283,258/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,607,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,292
−HK$9,738/mo
▼ 0.25% · 3.875%
HK$160,122
−HK$4,908/mo
Today · 4.125%
HK$165,030
baseline
▲ 0.50% · 4.625%
HK$175,072
+HK$10,042/mo
Deposit HK$3.78M · loan HK$34.05M · min. income ≈ HK$330,060/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,607,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,760
−HK$9,334/mo
▼ 0.25% · 3.875%
HK$177,394
−HK$4,700/mo
Today · 4.125%
HK$182,094
baseline
▲ 0.50% · 4.625%
HK$191,693
+HK$9,599/mo
Deposit HK$3.78M · loan HK$34.05M · min. income ≈ HK$364,188/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,607,982 · Scale 2, in force from 26 Feb 2026)