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$86,276
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$88,960
−HK$2,726/mo
Today · 4.125%
HK$91,686
baseline
▲ 0.50% · 4.625%
HK$97,265
+HK$5,579/mo
Deposit HK$18.92M · loan HK$18.92M · min. income ≈ HK$183,372/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,608,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,981
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$98,555
−HK$2,612/mo
Today · 4.125%
HK$101,167
baseline
▲ 0.50% · 4.625%
HK$106,499
+HK$5,332/mo
Deposit HK$18.92M · loan HK$18.92M · min. income ≈ HK$202,334/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,608,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,531
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$106,752
−HK$3,272/mo
Today · 4.125%
HK$110,024
baseline
▲ 0.50% · 4.625%
HK$116,718
+HK$6,694/mo
Deposit HK$15.13M · loan HK$22.70M · min. income ≈ HK$220,048/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,608,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,177
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$118,266
−HK$3,134/mo
Today · 4.125%
HK$121,400
baseline
▲ 0.50% · 4.625%
HK$127,799
+HK$6,399/mo
Deposit HK$15.13M · loan HK$22.70M · min. income ≈ HK$242,800/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,608,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,786
−HK$7,575/mo
▼ 0.25% · 3.875%
HK$124,544
−HK$3,817/mo
Today · 4.125%
HK$128,361
baseline
▲ 0.50% · 4.625%
HK$136,171
+HK$7,810/mo
Deposit HK$11.35M · loan HK$26.49M · min. income ≈ HK$256,722/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,608,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,374
−HK$7,260/mo
▼ 0.25% · 3.875%
HK$137,978
−HK$3,656/mo
Today · 4.125%
HK$141,634
baseline
▲ 0.50% · 4.625%
HK$149,099
+HK$7,465/mo
Deposit HK$11.35M · loan HK$26.49M · min. income ≈ HK$283,268/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,608,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,297
−HK$9,738/mo
▼ 0.25% · 3.875%
HK$160,128
−HK$4,907/mo
Today · 4.125%
HK$165,035
baseline
▲ 0.50% · 4.625%
HK$175,077
+HK$10,042/mo
Deposit HK$3.78M · loan HK$34.05M · min. income ≈ HK$330,070/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,608,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,766
−HK$9,334/mo
▼ 0.25% · 3.875%
HK$177,400
−HK$4,700/mo
Today · 4.125%
HK$182,100
baseline
▲ 0.50% · 4.625%
HK$191,699
+HK$9,599/mo
Deposit HK$3.78M · loan HK$34.05M · min. income ≈ HK$364,200/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,608,036 · Scale 2, in force from 26 Feb 2026)