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$86,310
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$88,995
−HK$2,727/mo
Today · 4.125%
HK$91,722
baseline
▲ 0.50% · 4.625%
HK$97,303
+HK$5,581/mo
Deposit HK$18.93M · loan HK$18.93M · min. income ≈ HK$183,444/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,608,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,019
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$98,594
−HK$2,612/mo
Today · 4.125%
HK$101,206
baseline
▲ 0.50% · 4.625%
HK$106,541
+HK$5,335/mo
Deposit HK$18.93M · loan HK$18.93M · min. income ≈ HK$202,412/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,608,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,572
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$106,794
−HK$3,273/mo
Today · 4.125%
HK$110,067
baseline
▲ 0.50% · 4.625%
HK$116,764
+HK$6,697/mo
Deposit HK$15.14M · loan HK$22.71M · min. income ≈ HK$220,134/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,608,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,223
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$118,313
−HK$3,135/mo
Today · 4.125%
HK$121,448
baseline
▲ 0.50% · 4.625%
HK$127,849
+HK$6,401/mo
Deposit HK$15.14M · loan HK$22.71M · min. income ≈ HK$242,896/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,608,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,834
−HK$7,577/mo
▼ 0.25% · 3.875%
HK$124,592
−HK$3,819/mo
Today · 4.125%
HK$128,411
baseline
▲ 0.50% · 4.625%
HK$136,225
+HK$7,814/mo
Deposit HK$11.36M · loan HK$26.50M · min. income ≈ HK$256,822/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,608,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,426
−HK$7,263/mo
▼ 0.25% · 3.875%
HK$138,032
−HK$3,657/mo
Today · 4.125%
HK$141,689
baseline
▲ 0.50% · 4.625%
HK$149,158
+HK$7,469/mo
Deposit HK$11.36M · loan HK$26.50M · min. income ≈ HK$283,378/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,608,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,358
−HK$9,742/mo
▼ 0.25% · 3.875%
HK$160,190
−HK$4,910/mo
Today · 4.125%
HK$165,100
baseline
▲ 0.50% · 4.625%
HK$175,146
+HK$10,046/mo
Deposit HK$3.79M · loan HK$34.07M · min. income ≈ HK$330,200/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,608,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,834
−HK$9,338/mo
▼ 0.25% · 3.875%
HK$177,469
−HK$4,703/mo
Today · 4.125%
HK$182,172
baseline
▲ 0.50% · 4.625%
HK$191,774
+HK$9,602/mo
Deposit HK$3.79M · loan HK$34.07M · min. income ≈ HK$364,344/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,608,666 · Scale 2, in force from 26 Feb 2026)