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$86,612
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$89,307
−HK$2,737/mo
Today · 4.125%
HK$92,044
baseline
▲ 0.50% · 4.625%
HK$97,644
+HK$5,600/mo
Deposit HK$18.99M · loan HK$18.99M · min. income ≈ HK$184,088/mo (50% DSR)
Upfront cash ≈ HK$20.61M (deposit + AVD stamp duty HK$1,614,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,355
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$98,940
−HK$2,621/mo
Today · 4.125%
HK$101,561
baseline
▲ 0.50% · 4.625%
HK$106,915
+HK$5,354/mo
Deposit HK$18.99M · loan HK$18.99M · min. income ≈ HK$203,122/mo (50% DSR)
Upfront cash ≈ HK$20.61M (deposit + AVD stamp duty HK$1,614,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,935
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$107,168
−HK$3,285/mo
Today · 4.125%
HK$110,453
baseline
▲ 0.50% · 4.625%
HK$117,173
+HK$6,720/mo
Deposit HK$15.19M · loan HK$22.79M · min. income ≈ HK$220,906/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,614,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,627
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$118,728
−HK$3,145/mo
Today · 4.125%
HK$121,873
baseline
▲ 0.50% · 4.625%
HK$128,298
+HK$6,425/mo
Deposit HK$15.19M · loan HK$22.79M · min. income ≈ HK$243,746/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,614,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,257
−HK$7,604/mo
▼ 0.25% · 3.875%
HK$125,029
−HK$3,832/mo
Today · 4.125%
HK$128,861
baseline
▲ 0.50% · 4.625%
HK$136,702
+HK$7,841/mo
Deposit HK$11.40M · loan HK$26.59M · min. income ≈ HK$257,722/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,614,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,898
−HK$7,288/mo
▼ 0.25% · 3.875%
HK$138,515
−HK$3,671/mo
Today · 4.125%
HK$142,186
baseline
▲ 0.50% · 4.625%
HK$149,681
+HK$7,495/mo
Deposit HK$11.40M · loan HK$26.59M · min. income ≈ HK$284,372/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,614,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,902
−HK$9,777/mo
▼ 0.25% · 3.875%
HK$160,752
−HK$4,927/mo
Today · 4.125%
HK$165,679
baseline
▲ 0.50% · 4.625%
HK$175,760
+HK$10,081/mo
Deposit HK$3.80M · loan HK$34.19M · min. income ≈ HK$331,358/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,614,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,440
−HK$9,370/mo
▼ 0.25% · 3.875%
HK$178,091
−HK$4,719/mo
Today · 4.125%
HK$182,810
baseline
▲ 0.50% · 4.625%
HK$192,446
+HK$9,636/mo
Deposit HK$3.80M · loan HK$34.19M · min. income ≈ HK$365,620/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,614,304 · Scale 2, in force from 26 Feb 2026)