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$86,153
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$88,833
−HK$2,722/mo
Today · 4.125%
HK$91,555
baseline
▲ 0.50% · 4.625%
HK$97,126
+HK$5,571/mo
Deposit HK$18.89M · loan HK$18.89M · min. income ≈ HK$183,110/mo (50% DSR)
Upfront cash ≈ HK$20.50M (deposit + AVD stamp duty HK$1,605,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,844
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$98,415
−HK$2,607/mo
Today · 4.125%
HK$101,022
baseline
▲ 0.50% · 4.625%
HK$106,347
+HK$5,325/mo
Deposit HK$18.89M · loan HK$18.89M · min. income ≈ HK$202,044/mo (50% DSR)
Upfront cash ≈ HK$20.50M (deposit + AVD stamp duty HK$1,605,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,383
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$106,599
−HK$3,268/mo
Today · 4.125%
HK$109,867
baseline
▲ 0.50% · 4.625%
HK$116,552
+HK$6,685/mo
Deposit HK$15.11M · loan HK$22.67M · min. income ≈ HK$219,734/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,605,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,013
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$118,098
−HK$3,129/mo
Today · 4.125%
HK$121,227
baseline
▲ 0.50% · 4.625%
HK$127,617
+HK$6,390/mo
Deposit HK$15.11M · loan HK$22.67M · min. income ≈ HK$242,454/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,605,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,614
−HK$7,564/mo
▼ 0.25% · 3.875%
HK$124,366
−HK$3,812/mo
Today · 4.125%
HK$128,178
baseline
▲ 0.50% · 4.625%
HK$135,977
+HK$7,799/mo
Deposit HK$11.33M · loan HK$26.45M · min. income ≈ HK$256,356/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,605,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,182
−HK$7,249/mo
▼ 0.25% · 3.875%
HK$137,781
−HK$3,650/mo
Today · 4.125%
HK$141,431
baseline
▲ 0.50% · 4.625%
HK$148,886
+HK$7,455/mo
Deposit HK$11.33M · loan HK$26.45M · min. income ≈ HK$282,862/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,605,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,075
−HK$9,725/mo
▼ 0.25% · 3.875%
HK$159,899
−HK$4,901/mo
Today · 4.125%
HK$164,800
baseline
▲ 0.50% · 4.625%
HK$174,827
+HK$10,027/mo
Deposit HK$3.78M · loan HK$34.00M · min. income ≈ HK$329,600/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,605,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,520
−HK$9,320/mo
▼ 0.25% · 3.875%
HK$177,146
−HK$4,694/mo
Today · 4.125%
HK$181,840
baseline
▲ 0.50% · 4.625%
HK$191,425
+HK$9,585/mo
Deposit HK$3.78M · loan HK$34.00M · min. income ≈ HK$363,680/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,605,740 · Scale 2, in force from 26 Feb 2026)