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$86,569
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$89,262
−HK$2,736/mo
Today · 4.125%
HK$91,998
baseline
▲ 0.50% · 4.625%
HK$97,596
+HK$5,598/mo
Deposit HK$18.98M · loan HK$18.98M · min. income ≈ HK$183,996/mo (50% DSR)
Upfront cash ≈ HK$20.60M (deposit + AVD stamp duty HK$1,613,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,308
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$98,891
−HK$2,620/mo
Today · 4.125%
HK$101,511
baseline
▲ 0.50% · 4.625%
HK$106,862
+HK$5,351/mo
Deposit HK$18.98M · loan HK$18.98M · min. income ≈ HK$203,022/mo (50% DSR)
Upfront cash ≈ HK$20.60M (deposit + AVD stamp duty HK$1,613,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,883
−HK$6,515/mo
▼ 0.25% · 3.875%
HK$107,115
−HK$3,283/mo
Today · 4.125%
HK$110,398
baseline
▲ 0.50% · 4.625%
HK$117,115
+HK$6,717/mo
Deposit HK$15.19M · loan HK$22.78M · min. income ≈ HK$220,796/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,613,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,569
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$118,669
−HK$3,144/mo
Today · 4.125%
HK$121,813
baseline
▲ 0.50% · 4.625%
HK$128,234
+HK$6,421/mo
Deposit HK$15.19M · loan HK$22.78M · min. income ≈ HK$243,626/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,613,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,197
−HK$7,600/mo
▼ 0.25% · 3.875%
HK$124,967
−HK$3,830/mo
Today · 4.125%
HK$128,797
baseline
▲ 0.50% · 4.625%
HK$136,634
+HK$7,837/mo
Deposit HK$11.39M · loan HK$26.58M · min. income ≈ HK$257,594/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,613,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,831
−HK$7,284/mo
▼ 0.25% · 3.875%
HK$138,447
−HK$3,668/mo
Today · 4.125%
HK$142,115
baseline
▲ 0.50% · 4.625%
HK$149,606
+HK$7,491/mo
Deposit HK$11.39M · loan HK$26.58M · min. income ≈ HK$284,230/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,613,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,825
−HK$9,772/mo
▼ 0.25% · 3.875%
HK$160,672
−HK$4,925/mo
Today · 4.125%
HK$165,597
baseline
▲ 0.50% · 4.625%
HK$175,673
+HK$10,076/mo
Deposit HK$3.80M · loan HK$34.17M · min. income ≈ HK$331,194/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,613,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,354
−HK$9,365/mo
▼ 0.25% · 3.875%
HK$178,003
−HK$4,716/mo
Today · 4.125%
HK$182,719
baseline
▲ 0.50% · 4.625%
HK$192,351
+HK$9,632/mo
Deposit HK$3.80M · loan HK$34.17M · min. income ≈ HK$365,438/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,613,503 · Scale 2, in force from 26 Feb 2026)