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$86,445
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$89,134
−HK$2,732/mo
Today · 4.125%
HK$91,866
baseline
▲ 0.50% · 4.625%
HK$97,455
+HK$5,589/mo
Deposit HK$18.96M · loan HK$18.96M · min. income ≈ HK$183,732/mo (50% DSR)
Upfront cash ≈ HK$20.57M (deposit + AVD stamp duty HK$1,611,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,169
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$98,748
−HK$2,617/mo
Today · 4.125%
HK$101,365
baseline
▲ 0.50% · 4.625%
HK$106,708
+HK$5,343/mo
Deposit HK$18.96M · loan HK$18.96M · min. income ≈ HK$202,730/mo (50% DSR)
Upfront cash ≈ HK$20.57M (deposit + AVD stamp duty HK$1,611,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,734
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$106,960
−HK$3,279/mo
Today · 4.125%
HK$110,239
baseline
▲ 0.50% · 4.625%
HK$116,946
+HK$6,707/mo
Deposit HK$15.16M · loan HK$22.75M · min. income ≈ HK$220,478/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,611,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,403
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$118,498
−HK$3,140/mo
Today · 4.125%
HK$121,638
baseline
▲ 0.50% · 4.625%
HK$128,049
+HK$6,411/mo
Deposit HK$15.16M · loan HK$22.75M · min. income ≈ HK$243,276/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,611,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,023
−HK$7,589/mo
▼ 0.25% · 3.875%
HK$124,787
−HK$3,825/mo
Today · 4.125%
HK$128,612
baseline
▲ 0.50% · 4.625%
HK$136,438
+HK$7,826/mo
Deposit HK$11.37M · loan HK$26.54M · min. income ≈ HK$257,224/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,611,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,636
−HK$7,274/mo
▼ 0.25% · 3.875%
HK$138,247
−HK$3,663/mo
Today · 4.125%
HK$141,910
baseline
▲ 0.50% · 4.625%
HK$149,391
+HK$7,481/mo
Deposit HK$11.37M · loan HK$26.54M · min. income ≈ HK$283,820/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,611,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,601
−HK$9,757/mo
▼ 0.25% · 3.875%
HK$160,441
−HK$4,917/mo
Today · 4.125%
HK$165,358
baseline
▲ 0.50% · 4.625%
HK$175,420
+HK$10,062/mo
Deposit HK$3.79M · loan HK$34.12M · min. income ≈ HK$330,716/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,611,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,104
−HK$9,352/mo
▼ 0.25% · 3.875%
HK$177,747
−HK$4,709/mo
Today · 4.125%
HK$182,456
baseline
▲ 0.50% · 4.625%
HK$192,074
+HK$9,618/mo
Deposit HK$3.79M · loan HK$34.12M · min. income ≈ HK$364,912/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,611,180 · Scale 2, in force from 26 Feb 2026)