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$85,714
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$88,380
−HK$2,709/mo
Today · 4.125%
HK$91,089
baseline
▲ 0.50% · 4.625%
HK$96,631
+HK$5,542/mo
Deposit HK$18.79M · loan HK$18.79M · min. income ≈ HK$182,178/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,597,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,356
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,913
−HK$2,595/mo
Today · 4.125%
HK$100,508
baseline
▲ 0.50% · 4.625%
HK$105,806
+HK$5,298/mo
Deposit HK$18.79M · loan HK$18.79M · min. income ≈ HK$201,016/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,597,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,857
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$106,056
−HK$3,251/mo
Today · 4.125%
HK$109,307
baseline
▲ 0.50% · 4.625%
HK$115,958
+HK$6,651/mo
Deposit HK$15.04M · loan HK$22.55M · min. income ≈ HK$218,614/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,597,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,427
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$117,496
−HK$3,113/mo
Today · 4.125%
HK$120,609
baseline
▲ 0.50% · 4.625%
HK$126,967
+HK$6,358/mo
Deposit HK$15.04M · loan HK$22.55M · min. income ≈ HK$241,218/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,597,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,999
−HK$7,525/mo
▼ 0.25% · 3.875%
HK$123,732
−HK$3,792/mo
Today · 4.125%
HK$127,524
baseline
▲ 0.50% · 4.625%
HK$135,284
+HK$7,760/mo
Deposit HK$11.28M · loan HK$26.31M · min. income ≈ HK$255,048/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,597,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,498
−HK$7,213/mo
▼ 0.25% · 3.875%
HK$137,079
−HK$3,632/mo
Today · 4.125%
HK$140,711
baseline
▲ 0.50% · 4.625%
HK$148,128
+HK$7,417/mo
Deposit HK$11.28M · loan HK$26.31M · min. income ≈ HK$281,422/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,597,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,285
−HK$9,675/mo
▼ 0.25% · 3.875%
HK$159,084
−HK$4,876/mo
Today · 4.125%
HK$163,960
baseline
▲ 0.50% · 4.625%
HK$173,937
+HK$9,977/mo
Deposit HK$3.76M · loan HK$33.83M · min. income ≈ HK$327,920/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,641
−HK$9,273/mo
▼ 0.25% · 3.875%
HK$176,244
−HK$4,670/mo
Today · 4.125%
HK$180,914
baseline
▲ 0.50% · 4.625%
HK$190,450
+HK$9,536/mo
Deposit HK$3.76M · loan HK$33.83M · min. income ≈ HK$361,828/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,558 · Scale 2, in force from 26 Feb 2026)