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$86,616
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$89,310
−HK$2,738/mo
Today · 4.125%
HK$92,048
baseline
▲ 0.50% · 4.625%
HK$97,648
+HK$5,600/mo
Deposit HK$18.99M · loan HK$18.99M · min. income ≈ HK$184,096/mo (50% DSR)
Upfront cash ≈ HK$20.61M (deposit + AVD stamp duty HK$1,614,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,359
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$98,944
−HK$2,621/mo
Today · 4.125%
HK$101,565
baseline
▲ 0.50% · 4.625%
HK$106,919
+HK$5,354/mo
Deposit HK$18.99M · loan HK$18.99M · min. income ≈ HK$203,130/mo (50% DSR)
Upfront cash ≈ HK$20.61M (deposit + AVD stamp duty HK$1,614,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,939
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$107,172
−HK$3,285/mo
Today · 4.125%
HK$110,457
baseline
▲ 0.50% · 4.625%
HK$117,178
+HK$6,721/mo
Deposit HK$15.19M · loan HK$22.79M · min. income ≈ HK$220,914/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,614,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,631
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$118,732
−HK$3,146/mo
Today · 4.125%
HK$121,878
baseline
▲ 0.50% · 4.625%
HK$128,303
+HK$6,425/mo
Deposit HK$15.19M · loan HK$22.79M · min. income ≈ HK$243,756/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,614,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,262
−HK$7,605/mo
▼ 0.25% · 3.875%
HK$125,034
−HK$3,833/mo
Today · 4.125%
HK$128,867
baseline
▲ 0.50% · 4.625%
HK$136,708
+HK$7,841/mo
Deposit HK$11.40M · loan HK$26.59M · min. income ≈ HK$257,734/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,614,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,903
−HK$7,288/mo
▼ 0.25% · 3.875%
HK$138,521
−HK$3,670/mo
Today · 4.125%
HK$142,191
baseline
▲ 0.50% · 4.625%
HK$149,687
+HK$7,496/mo
Deposit HK$11.40M · loan HK$26.59M · min. income ≈ HK$284,382/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,614,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,909
−HK$9,777/mo
▼ 0.25% · 3.875%
HK$160,758
−HK$4,928/mo
Today · 4.125%
HK$165,686
baseline
▲ 0.50% · 4.625%
HK$175,767
+HK$10,081/mo
Deposit HK$3.80M · loan HK$34.19M · min. income ≈ HK$331,372/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,614,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,447
−HK$9,371/mo
▼ 0.25% · 3.875%
HK$178,099
−HK$4,719/mo
Today · 4.125%
HK$182,818
baseline
▲ 0.50% · 4.625%
HK$192,454
+HK$9,636/mo
Deposit HK$3.80M · loan HK$34.19M · min. income ≈ HK$365,636/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,614,370 · Scale 2, in force from 26 Feb 2026)