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$85,452
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$88,110
−HK$2,700/mo
Today · 4.125%
HK$90,810
baseline
▲ 0.50% · 4.625%
HK$96,336
+HK$5,526/mo
Deposit HK$18.74M · loan HK$18.74M · min. income ≈ HK$181,620/mo (50% DSR)
Upfront cash ≈ HK$20.33M (deposit + AVD stamp duty HK$1,592,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,064
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$97,614
−HK$2,586/mo
Today · 4.125%
HK$100,200
baseline
▲ 0.50% · 4.625%
HK$105,482
+HK$5,282/mo
Deposit HK$18.74M · loan HK$18.74M · min. income ≈ HK$200,400/mo (50% DSR)
Upfront cash ≈ HK$20.33M (deposit + AVD stamp duty HK$1,592,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,542
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$105,732
−HK$3,240/mo
Today · 4.125%
HK$108,972
baseline
▲ 0.50% · 4.625%
HK$115,603
+HK$6,631/mo
Deposit HK$14.99M · loan HK$22.48M · min. income ≈ HK$217,944/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,592,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,077
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$117,137
−HK$3,103/mo
Today · 4.125%
HK$120,240
baseline
▲ 0.50% · 4.625%
HK$126,578
+HK$6,338/mo
Deposit HK$14.99M · loan HK$22.48M · min. income ≈ HK$240,480/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,592,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,632
−HK$7,502/mo
▼ 0.25% · 3.875%
HK$123,354
−HK$3,780/mo
Today · 4.125%
HK$127,134
baseline
▲ 0.50% · 4.625%
HK$134,870
+HK$7,736/mo
Deposit HK$11.24M · loan HK$26.23M · min. income ≈ HK$254,268/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,592,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,090
−HK$7,190/mo
▼ 0.25% · 3.875%
HK$136,659
−HK$3,621/mo
Today · 4.125%
HK$140,280
baseline
▲ 0.50% · 4.625%
HK$147,675
+HK$7,395/mo
Deposit HK$11.24M · loan HK$26.23M · min. income ≈ HK$280,560/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,592,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,813
−HK$9,646/mo
▼ 0.25% · 3.875%
HK$158,598
−HK$4,861/mo
Today · 4.125%
HK$163,459
baseline
▲ 0.50% · 4.625%
HK$173,405
+HK$9,946/mo
Deposit HK$3.75M · loan HK$33.73M · min. income ≈ HK$326,918/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,592,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,116
−HK$9,244/mo
▼ 0.25% · 3.875%
HK$175,705
−HK$4,655/mo
Today · 4.125%
HK$180,360
baseline
▲ 0.50% · 4.625%
HK$189,867
+HK$9,507/mo
Deposit HK$3.75M · loan HK$33.73M · min. income ≈ HK$360,720/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,592,672 · Scale 2, in force from 26 Feb 2026)