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$85,558
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$88,219
−HK$2,704/mo
Today · 4.125%
HK$90,923
baseline
▲ 0.50% · 4.625%
HK$96,456
+HK$5,533/mo
Deposit HK$18.76M · loan HK$18.76M · min. income ≈ HK$181,846/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,594,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,183
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,735
−HK$2,590/mo
Today · 4.125%
HK$100,325
baseline
▲ 0.50% · 4.625%
HK$105,613
+HK$5,288/mo
Deposit HK$18.76M · loan HK$18.76M · min. income ≈ HK$200,650/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,594,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,670
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$105,863
−HK$3,245/mo
Today · 4.125%
HK$109,108
baseline
▲ 0.50% · 4.625%
HK$115,747
+HK$6,639/mo
Deposit HK$15.01M · loan HK$22.51M · min. income ≈ HK$218,216/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,594,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,219
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$117,282
−HK$3,108/mo
Today · 4.125%
HK$120,390
baseline
▲ 0.50% · 4.625%
HK$126,736
+HK$6,346/mo
Deposit HK$15.01M · loan HK$22.51M · min. income ≈ HK$240,780/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,594,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,781
−HK$7,512/mo
▼ 0.25% · 3.875%
HK$123,507
−HK$3,786/mo
Today · 4.125%
HK$127,293
baseline
▲ 0.50% · 4.625%
HK$135,038
+HK$7,745/mo
Deposit HK$11.26M · loan HK$26.26M · min. income ≈ HK$254,586/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,594,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,256
−HK$7,199/mo
▼ 0.25% · 3.875%
HK$136,829
−HK$3,626/mo
Today · 4.125%
HK$140,455
baseline
▲ 0.50% · 4.625%
HK$147,859
+HK$7,404/mo
Deposit HK$11.26M · loan HK$26.26M · min. income ≈ HK$280,910/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,594,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,005
−HK$9,657/mo
▼ 0.25% · 3.875%
HK$158,795
−HK$4,867/mo
Today · 4.125%
HK$163,662
baseline
▲ 0.50% · 4.625%
HK$173,621
+HK$9,959/mo
Deposit HK$3.75M · loan HK$33.77M · min. income ≈ HK$327,324/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,594,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,329
−HK$9,256/mo
▼ 0.25% · 3.875%
HK$175,924
−HK$4,661/mo
Today · 4.125%
HK$180,585
baseline
▲ 0.50% · 4.625%
HK$190,104
+HK$9,519/mo
Deposit HK$3.75M · loan HK$33.77M · min. income ≈ HK$361,170/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,594,655 · Scale 2, in force from 26 Feb 2026)