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$85,697
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$88,363
−HK$2,708/mo
Today · 4.125%
HK$91,071
baseline
▲ 0.50% · 4.625%
HK$96,613
+HK$5,542/mo
Deposit HK$18.79M · loan HK$18.79M · min. income ≈ HK$182,142/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,597,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,338
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$97,894
−HK$2,594/mo
Today · 4.125%
HK$100,488
baseline
▲ 0.50% · 4.625%
HK$105,785
+HK$5,297/mo
Deposit HK$18.79M · loan HK$18.79M · min. income ≈ HK$200,976/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,597,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,837
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$106,036
−HK$3,250/mo
Today · 4.125%
HK$109,286
baseline
▲ 0.50% · 4.625%
HK$115,935
+HK$6,649/mo
Deposit HK$15.03M · loan HK$22.55M · min. income ≈ HK$218,572/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,597,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,405
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$117,473
−HK$3,113/mo
Today · 4.125%
HK$120,586
baseline
▲ 0.50% · 4.625%
HK$126,942
+HK$6,356/mo
Deposit HK$15.03M · loan HK$22.55M · min. income ≈ HK$241,172/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,597,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,976
−HK$7,524/mo
▼ 0.25% · 3.875%
HK$123,708
−HK$3,792/mo
Today · 4.125%
HK$127,500
baseline
▲ 0.50% · 4.625%
HK$135,258
+HK$7,758/mo
Deposit HK$11.27M · loan HK$26.31M · min. income ≈ HK$255,000/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,597,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,473
−HK$7,211/mo
▼ 0.25% · 3.875%
HK$137,052
−HK$3,632/mo
Today · 4.125%
HK$140,684
baseline
▲ 0.50% · 4.625%
HK$148,099
+HK$7,415/mo
Deposit HK$11.27M · loan HK$26.31M · min. income ≈ HK$281,368/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,597,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,255
−HK$9,674/mo
▼ 0.25% · 3.875%
HK$159,054
−HK$4,875/mo
Today · 4.125%
HK$163,929
baseline
▲ 0.50% · 4.625%
HK$173,903
+HK$9,974/mo
Deposit HK$3.76M · loan HK$33.82M · min. income ≈ HK$327,858/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,608
−HK$9,271/mo
▼ 0.25% · 3.875%
HK$176,210
−HK$4,669/mo
Today · 4.125%
HK$180,879
baseline
▲ 0.50% · 4.625%
HK$190,413
+HK$9,534/mo
Deposit HK$3.76M · loan HK$33.82M · min. income ≈ HK$361,758/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,251 · Scale 2, in force from 26 Feb 2026)