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$86,848
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$89,550
−HK$2,744/mo
Today · 4.125%
HK$92,294
baseline
▲ 0.50% · 4.625%
HK$97,910
+HK$5,616/mo
Deposit HK$19.04M · loan HK$19.04M · min. income ≈ HK$184,588/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,618,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,618
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$99,209
−HK$2,629/mo
Today · 4.125%
HK$101,838
baseline
▲ 0.50% · 4.625%
HK$107,206
+HK$5,368/mo
Deposit HK$19.04M · loan HK$19.04M · min. income ≈ HK$203,676/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,618,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,218
−HK$6,535/mo
▼ 0.25% · 3.875%
HK$107,460
−HK$3,293/mo
Today · 4.125%
HK$110,753
baseline
▲ 0.50% · 4.625%
HK$117,492
+HK$6,739/mo
Deposit HK$15.23M · loan HK$22.85M · min. income ≈ HK$221,506/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,618,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,941
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$119,051
−HK$3,154/mo
Today · 4.125%
HK$122,205
baseline
▲ 0.50% · 4.625%
HK$128,647
+HK$6,442/mo
Deposit HK$15.23M · loan HK$22.85M · min. income ≈ HK$244,410/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,618,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,587
−HK$7,625/mo
▼ 0.25% · 3.875%
HK$125,369
−HK$3,843/mo
Today · 4.125%
HK$129,212
baseline
▲ 0.50% · 4.625%
HK$137,074
+HK$7,862/mo
Deposit HK$11.43M · loan HK$26.66M · min. income ≈ HK$258,424/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,618,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,265
−HK$7,308/mo
▼ 0.25% · 3.875%
HK$138,892
−HK$3,681/mo
Today · 4.125%
HK$142,573
baseline
▲ 0.50% · 4.625%
HK$150,088
+HK$7,515/mo
Deposit HK$11.43M · loan HK$26.66M · min. income ≈ HK$285,146/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,618,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,327
−HK$9,803/mo
▼ 0.25% · 3.875%
HK$161,189
−HK$4,941/mo
Today · 4.125%
HK$166,130
baseline
▲ 0.50% · 4.625%
HK$176,238
+HK$10,108/mo
Deposit HK$3.81M · loan HK$34.28M · min. income ≈ HK$332,260/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,618,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,912
−HK$9,396/mo
▼ 0.25% · 3.875%
HK$178,576
−HK$4,732/mo
Today · 4.125%
HK$183,308
baseline
▲ 0.50% · 4.625%
HK$192,970
+HK$9,662/mo
Deposit HK$3.81M · loan HK$34.28M · min. income ≈ HK$366,616/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,618,698 · Scale 2, in force from 26 Feb 2026)