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$85,704
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$88,370
−HK$2,708/mo
Today · 4.125%
HK$91,078
baseline
▲ 0.50% · 4.625%
HK$96,620
+HK$5,542/mo
Deposit HK$18.79M · loan HK$18.79M · min. income ≈ HK$182,156/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,597,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,345
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$97,902
−HK$2,594/mo
Today · 4.125%
HK$100,496
baseline
▲ 0.50% · 4.625%
HK$105,793
+HK$5,297/mo
Deposit HK$18.79M · loan HK$18.79M · min. income ≈ HK$200,992/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,597,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,845
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$106,044
−HK$3,250/mo
Today · 4.125%
HK$109,294
baseline
▲ 0.50% · 4.625%
HK$115,944
+HK$6,650/mo
Deposit HK$15.03M · loan HK$22.55M · min. income ≈ HK$218,588/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,597,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,414
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$117,482
−HK$3,113/mo
Today · 4.125%
HK$120,595
baseline
▲ 0.50% · 4.625%
HK$126,952
+HK$6,357/mo
Deposit HK$15.03M · loan HK$22.55M · min. income ≈ HK$241,190/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,597,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,985
−HK$7,525/mo
▼ 0.25% · 3.875%
HK$123,718
−HK$3,792/mo
Today · 4.125%
HK$127,510
baseline
▲ 0.50% · 4.625%
HK$135,268
+HK$7,758/mo
Deposit HK$11.28M · loan HK$26.31M · min. income ≈ HK$255,020/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,597,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,483
−HK$7,211/mo
▼ 0.25% · 3.875%
HK$137,063
−HK$3,631/mo
Today · 4.125%
HK$140,694
baseline
▲ 0.50% · 4.625%
HK$148,110
+HK$7,416/mo
Deposit HK$11.28M · loan HK$26.31M · min. income ≈ HK$281,388/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,597,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,267
−HK$9,674/mo
▼ 0.25% · 3.875%
HK$159,066
−HK$4,875/mo
Today · 4.125%
HK$163,941
baseline
▲ 0.50% · 4.625%
HK$173,916
+HK$9,975/mo
Deposit HK$3.76M · loan HK$33.83M · min. income ≈ HK$327,882/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,620
−HK$9,273/mo
▼ 0.25% · 3.875%
HK$176,223
−HK$4,670/mo
Today · 4.125%
HK$180,893
baseline
▲ 0.50% · 4.625%
HK$190,428
+HK$9,535/mo
Deposit HK$3.76M · loan HK$33.83M · min. income ≈ HK$361,786/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,371 · Scale 2, in force from 26 Feb 2026)