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$85,814
−HK$5,381/mo
▼ 0.25% · 3.875%
HK$88,483
−HK$2,712/mo
Today · 4.125%
HK$91,195
baseline
▲ 0.50% · 4.625%
HK$96,744
+HK$5,549/mo
Deposit HK$18.82M · loan HK$18.82M · min. income ≈ HK$182,390/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,599,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,467
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$98,028
−HK$2,597/mo
Today · 4.125%
HK$100,625
baseline
▲ 0.50% · 4.625%
HK$105,929
+HK$5,304/mo
Deposit HK$18.82M · loan HK$18.82M · min. income ≈ HK$201,250/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,599,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,977
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$106,180
−HK$3,254/mo
Today · 4.125%
HK$109,434
baseline
▲ 0.50% · 4.625%
HK$116,093
+HK$6,659/mo
Deposit HK$15.05M · loan HK$22.58M · min. income ≈ HK$218,868/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,599,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,561
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$117,633
−HK$3,117/mo
Today · 4.125%
HK$120,750
baseline
▲ 0.50% · 4.625%
HK$127,115
+HK$6,365/mo
Deposit HK$15.05M · loan HK$22.58M · min. income ≈ HK$241,500/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,599,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,140
−HK$7,533/mo
▼ 0.25% · 3.875%
HK$123,877
−HK$3,796/mo
Today · 4.125%
HK$127,673
baseline
▲ 0.50% · 4.625%
HK$135,442
+HK$7,769/mo
Deposit HK$11.29M · loan HK$26.34M · min. income ≈ HK$255,346/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,599,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,654
−HK$7,221/mo
▼ 0.25% · 3.875%
HK$137,239
−HK$3,636/mo
Today · 4.125%
HK$140,875
baseline
▲ 0.50% · 4.625%
HK$148,301
+HK$7,426/mo
Deposit HK$11.29M · loan HK$26.34M · min. income ≈ HK$281,750/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,599,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,465
−HK$9,687/mo
▼ 0.25% · 3.875%
HK$159,270
−HK$4,882/mo
Today · 4.125%
HK$164,152
baseline
▲ 0.50% · 4.625%
HK$174,140
+HK$9,988/mo
Deposit HK$3.76M · loan HK$33.87M · min. income ≈ HK$328,304/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,599,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,841
−HK$9,284/mo
▼ 0.25% · 3.875%
HK$176,450
−HK$4,675/mo
Today · 4.125%
HK$181,125
baseline
▲ 0.50% · 4.625%
HK$190,672
+HK$9,547/mo
Deposit HK$3.76M · loan HK$33.87M · min. income ≈ HK$362,250/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,599,425 · Scale 2, in force from 26 Feb 2026)