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$86,427
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$89,115
−HK$2,732/mo
Today · 4.125%
HK$91,847
baseline
▲ 0.50% · 4.625%
HK$97,435
+HK$5,588/mo
Deposit HK$18.95M · loan HK$18.95M · min. income ≈ HK$183,694/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$1,610,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,149
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$98,728
−HK$2,616/mo
Today · 4.125%
HK$101,344
baseline
▲ 0.50% · 4.625%
HK$106,686
+HK$5,342/mo
Deposit HK$18.95M · loan HK$18.95M · min. income ≈ HK$202,688/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$1,610,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,712
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$106,938
−HK$3,278/mo
Today · 4.125%
HK$110,216
baseline
▲ 0.50% · 4.625%
HK$116,922
+HK$6,706/mo
Deposit HK$15.16M · loan HK$22.74M · min. income ≈ HK$220,432/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,610,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,379
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$118,473
−HK$3,139/mo
Today · 4.125%
HK$121,612
baseline
▲ 0.50% · 4.625%
HK$128,023
+HK$6,411/mo
Deposit HK$15.16M · loan HK$22.74M · min. income ≈ HK$243,224/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,610,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,998
−HK$7,587/mo
▼ 0.25% · 3.875%
HK$124,761
−HK$3,824/mo
Today · 4.125%
HK$128,585
baseline
▲ 0.50% · 4.625%
HK$136,409
+HK$7,824/mo
Deposit HK$11.37M · loan HK$26.53M · min. income ≈ HK$257,170/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,610,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,609
−HK$7,272/mo
▼ 0.25% · 3.875%
HK$138,219
−HK$3,662/mo
Today · 4.125%
HK$141,881
baseline
▲ 0.50% · 4.625%
HK$149,360
+HK$7,479/mo
Deposit HK$11.37M · loan HK$26.53M · min. income ≈ HK$283,762/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,610,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,568
−HK$9,756/mo
▼ 0.25% · 3.875%
HK$160,407
−HK$4,917/mo
Today · 4.125%
HK$165,324
baseline
▲ 0.50% · 4.625%
HK$175,384
+HK$10,060/mo
Deposit HK$3.79M · loan HK$34.11M · min. income ≈ HK$330,648/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,610,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,068
−HK$9,351/mo
▼ 0.25% · 3.875%
HK$177,710
−HK$4,709/mo
Today · 4.125%
HK$182,419
baseline
▲ 0.50% · 4.625%
HK$192,034
+HK$9,615/mo
Deposit HK$3.79M · loan HK$34.11M · min. income ≈ HK$364,838/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,610,847 · Scale 2, in force from 26 Feb 2026)