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$85,748
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$88,415
−HK$2,710/mo
Today · 4.125%
HK$91,125
baseline
▲ 0.50% · 4.625%
HK$96,670
+HK$5,545/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$182,250/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,598,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,393
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$97,952
−HK$2,595/mo
Today · 4.125%
HK$100,547
baseline
▲ 0.50% · 4.625%
HK$105,847
+HK$5,300/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$201,094/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,598,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,897
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$106,098
−HK$3,252/mo
Today · 4.125%
HK$109,350
baseline
▲ 0.50% · 4.625%
HK$116,003
+HK$6,653/mo
Deposit HK$15.04M · loan HK$22.56M · min. income ≈ HK$218,700/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,598,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,472
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$117,542
−HK$3,115/mo
Today · 4.125%
HK$120,657
baseline
▲ 0.50% · 4.625%
HK$127,017
+HK$6,360/mo
Deposit HK$15.04M · loan HK$22.56M · min. income ≈ HK$241,314/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,598,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,047
−HK$7,528/mo
▼ 0.25% · 3.875%
HK$123,781
−HK$3,794/mo
Today · 4.125%
HK$127,575
baseline
▲ 0.50% · 4.625%
HK$135,337
+HK$7,762/mo
Deposit HK$11.28M · loan HK$26.32M · min. income ≈ HK$255,150/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,598,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,551
−HK$7,215/mo
▼ 0.25% · 3.875%
HK$137,133
−HK$3,633/mo
Today · 4.125%
HK$140,766
baseline
▲ 0.50% · 4.625%
HK$148,186
+HK$7,420/mo
Deposit HK$11.28M · loan HK$26.32M · min. income ≈ HK$281,532/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,598,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,346
−HK$9,679/mo
▼ 0.25% · 3.875%
HK$159,147
−HK$4,878/mo
Today · 4.125%
HK$164,025
baseline
▲ 0.50% · 4.625%
HK$174,005
+HK$9,980/mo
Deposit HK$3.76M · loan HK$33.84M · min. income ≈ HK$328,050/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,598,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,708
−HK$9,277/mo
▼ 0.25% · 3.875%
HK$176,313
−HK$4,672/mo
Today · 4.125%
HK$180,985
baseline
▲ 0.50% · 4.625%
HK$190,525
+HK$9,540/mo
Deposit HK$3.76M · loan HK$33.84M · min. income ≈ HK$361,970/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,598,188 · Scale 2, in force from 26 Feb 2026)