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$86,595
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$89,288
−HK$2,737/mo
Today · 4.125%
HK$92,025
baseline
▲ 0.50% · 4.625%
HK$97,625
+HK$5,600/mo
Deposit HK$18.99M · loan HK$18.99M · min. income ≈ HK$184,050/mo (50% DSR)
Upfront cash ≈ HK$20.60M (deposit + AVD stamp duty HK$1,613,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,336
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$98,920
−HK$2,621/mo
Today · 4.125%
HK$101,541
baseline
▲ 0.50% · 4.625%
HK$106,893
+HK$5,352/mo
Deposit HK$18.99M · loan HK$18.99M · min. income ≈ HK$203,082/mo (50% DSR)
Upfront cash ≈ HK$20.60M (deposit + AVD stamp duty HK$1,613,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,914
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$107,146
−HK$3,284/mo
Today · 4.125%
HK$110,430
baseline
▲ 0.50% · 4.625%
HK$117,150
+HK$6,720/mo
Deposit HK$15.19M · loan HK$22.79M · min. income ≈ HK$220,860/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,613,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,603
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$118,704
−HK$3,145/mo
Today · 4.125%
HK$121,849
baseline
▲ 0.50% · 4.625%
HK$128,272
+HK$6,423/mo
Deposit HK$15.19M · loan HK$22.79M · min. income ≈ HK$243,698/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,613,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,233
−HK$7,602/mo
▼ 0.25% · 3.875%
HK$125,004
−HK$3,831/mo
Today · 4.125%
HK$128,835
baseline
▲ 0.50% · 4.625%
HK$136,675
+HK$7,840/mo
Deposit HK$11.39M · loan HK$26.58M · min. income ≈ HK$257,670/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,613,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,870
−HK$7,287/mo
▼ 0.25% · 3.875%
HK$138,487
−HK$3,670/mo
Today · 4.125%
HK$142,157
baseline
▲ 0.50% · 4.625%
HK$149,650
+HK$7,493/mo
Deposit HK$11.39M · loan HK$26.58M · min. income ≈ HK$284,314/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,613,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,871
−HK$9,774/mo
▼ 0.25% · 3.875%
HK$160,719
−HK$4,926/mo
Today · 4.125%
HK$165,645
baseline
▲ 0.50% · 4.625%
HK$175,724
+HK$10,079/mo
Deposit HK$3.80M · loan HK$34.18M · min. income ≈ HK$331,290/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,613,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,405
−HK$9,368/mo
▼ 0.25% · 3.875%
HK$178,055
−HK$4,718/mo
Today · 4.125%
HK$182,773
baseline
▲ 0.50% · 4.625%
HK$192,407
+HK$9,634/mo
Deposit HK$3.80M · loan HK$34.18M · min. income ≈ HK$365,546/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,613,978 · Scale 2, in force from 26 Feb 2026)