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$85,589
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$88,251
−HK$2,705/mo
Today · 4.125%
HK$90,956
baseline
▲ 0.50% · 4.625%
HK$96,491
+HK$5,535/mo
Deposit HK$18.77M · loan HK$18.77M · min. income ≈ HK$181,912/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,595,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,217
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$97,771
−HK$2,590/mo
Today · 4.125%
HK$100,361
baseline
▲ 0.50% · 4.625%
HK$105,651
+HK$5,290/mo
Deposit HK$18.77M · loan HK$18.77M · min. income ≈ HK$200,722/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,595,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,707
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$105,902
−HK$3,246/mo
Today · 4.125%
HK$109,148
baseline
▲ 0.50% · 4.625%
HK$115,789
+HK$6,641/mo
Deposit HK$15.01M · loan HK$22.52M · min. income ≈ HK$218,296/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,595,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,260
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$117,325
−HK$3,109/mo
Today · 4.125%
HK$120,434
baseline
▲ 0.50% · 4.625%
HK$126,782
+HK$6,348/mo
Deposit HK$15.01M · loan HK$22.52M · min. income ≈ HK$240,868/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,595,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,825
−HK$7,514/mo
▼ 0.25% · 3.875%
HK$123,552
−HK$3,787/mo
Today · 4.125%
HK$127,339
baseline
▲ 0.50% · 4.625%
HK$135,087
+HK$7,748/mo
Deposit HK$11.26M · loan HK$26.27M · min. income ≈ HK$254,678/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,595,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,304
−HK$7,202/mo
▼ 0.25% · 3.875%
HK$136,879
−HK$3,627/mo
Today · 4.125%
HK$140,506
baseline
▲ 0.50% · 4.625%
HK$147,912
+HK$7,406/mo
Deposit HK$11.26M · loan HK$26.27M · min. income ≈ HK$281,012/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,595,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,060
−HK$9,661/mo
▼ 0.25% · 3.875%
HK$158,853
−HK$4,868/mo
Today · 4.125%
HK$163,721
baseline
▲ 0.50% · 4.625%
HK$173,683
+HK$9,962/mo
Deposit HK$3.75M · loan HK$33.78M · min. income ≈ HK$327,442/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,595,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,391
−HK$9,259/mo
▼ 0.25% · 3.875%
HK$175,987
−HK$4,663/mo
Today · 4.125%
HK$180,650
baseline
▲ 0.50% · 4.625%
HK$190,173
+HK$9,523/mo
Deposit HK$3.75M · loan HK$33.78M · min. income ≈ HK$361,300/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,595,232 · Scale 2, in force from 26 Feb 2026)