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$85,557
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$88,219
−HK$2,703/mo
Today · 4.125%
HK$90,922
baseline
▲ 0.50% · 4.625%
HK$96,455
+HK$5,533/mo
Deposit HK$18.76M · loan HK$18.76M · min. income ≈ HK$181,844/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,594,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,182
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,734
−HK$2,590/mo
Today · 4.125%
HK$100,324
baseline
▲ 0.50% · 4.625%
HK$105,612
+HK$5,288/mo
Deposit HK$18.76M · loan HK$18.76M · min. income ≈ HK$200,648/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,594,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,669
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$105,862
−HK$3,245/mo
Today · 4.125%
HK$109,107
baseline
▲ 0.50% · 4.625%
HK$115,746
+HK$6,639/mo
Deposit HK$15.01M · loan HK$22.51M · min. income ≈ HK$218,214/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,594,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,218
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$117,281
−HK$3,108/mo
Today · 4.125%
HK$120,389
baseline
▲ 0.50% · 4.625%
HK$126,735
+HK$6,346/mo
Deposit HK$15.01M · loan HK$22.51M · min. income ≈ HK$240,778/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,594,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,780
−HK$7,511/mo
▼ 0.25% · 3.875%
HK$123,506
−HK$3,785/mo
Today · 4.125%
HK$127,291
baseline
▲ 0.50% · 4.625%
HK$135,037
+HK$7,746/mo
Deposit HK$11.26M · loan HK$26.26M · min. income ≈ HK$254,582/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,594,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,254
−HK$7,199/mo
▼ 0.25% · 3.875%
HK$136,828
−HK$3,625/mo
Today · 4.125%
HK$140,453
baseline
▲ 0.50% · 4.625%
HK$147,857
+HK$7,404/mo
Deposit HK$11.26M · loan HK$26.26M · min. income ≈ HK$280,906/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,594,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,003
−HK$9,657/mo
▼ 0.25% · 3.875%
HK$158,793
−HK$4,867/mo
Today · 4.125%
HK$163,660
baseline
▲ 0.50% · 4.625%
HK$173,619
+HK$9,959/mo
Deposit HK$3.75M · loan HK$33.77M · min. income ≈ HK$327,320/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,594,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,327
−HK$9,256/mo
▼ 0.25% · 3.875%
HK$175,922
−HK$4,661/mo
Today · 4.125%
HK$180,583
baseline
▲ 0.50% · 4.625%
HK$190,102
+HK$9,519/mo
Deposit HK$3.75M · loan HK$33.77M · min. income ≈ HK$361,166/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,594,638 · Scale 2, in force from 26 Feb 2026)