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$85,709
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$88,375
−HK$2,709/mo
Today · 4.125%
HK$91,084
baseline
▲ 0.50% · 4.625%
HK$96,626
+HK$5,542/mo
Deposit HK$18.79M · loan HK$18.79M · min. income ≈ HK$182,168/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,597,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,351
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$97,908
−HK$2,594/mo
Today · 4.125%
HK$100,502
baseline
▲ 0.50% · 4.625%
HK$105,800
+HK$5,298/mo
Deposit HK$18.79M · loan HK$18.79M · min. income ≈ HK$201,004/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,597,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,851
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$106,051
−HK$3,250/mo
Today · 4.125%
HK$109,301
baseline
▲ 0.50% · 4.625%
HK$115,952
+HK$6,651/mo
Deposit HK$15.04M · loan HK$22.55M · min. income ≈ HK$218,602/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,597,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,421
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$117,490
−HK$3,113/mo
Today · 4.125%
HK$120,603
baseline
▲ 0.50% · 4.625%
HK$126,960
+HK$6,357/mo
Deposit HK$15.04M · loan HK$22.55M · min. income ≈ HK$241,206/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,597,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,993
−HK$7,525/mo
▼ 0.25% · 3.875%
HK$123,726
−HK$3,792/mo
Today · 4.125%
HK$127,518
baseline
▲ 0.50% · 4.625%
HK$135,277
+HK$7,759/mo
Deposit HK$11.28M · loan HK$26.31M · min. income ≈ HK$255,036/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,597,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,491
−HK$7,212/mo
▼ 0.25% · 3.875%
HK$137,071
−HK$3,632/mo
Today · 4.125%
HK$140,703
baseline
▲ 0.50% · 4.625%
HK$148,120
+HK$7,417/mo
Deposit HK$11.28M · loan HK$26.31M · min. income ≈ HK$281,406/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,597,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,277
−HK$9,674/mo
▼ 0.25% · 3.875%
HK$159,076
−HK$4,875/mo
Today · 4.125%
HK$163,951
baseline
▲ 0.50% · 4.625%
HK$173,928
+HK$9,977/mo
Deposit HK$3.76M · loan HK$33.83M · min. income ≈ HK$327,902/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,632
−HK$9,272/mo
▼ 0.25% · 3.875%
HK$176,235
−HK$4,669/mo
Today · 4.125%
HK$180,904
baseline
▲ 0.50% · 4.625%
HK$190,440
+HK$9,536/mo
Deposit HK$3.76M · loan HK$33.83M · min. income ≈ HK$361,808/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,474 · Scale 2, in force from 26 Feb 2026)