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$85,837
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$88,507
−HK$2,712/mo
Today · 4.125%
HK$91,219
baseline
▲ 0.50% · 4.625%
HK$96,770
+HK$5,551/mo
Deposit HK$18.82M · loan HK$18.82M · min. income ≈ HK$182,438/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,599,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,492
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,053
−HK$2,598/mo
Today · 4.125%
HK$100,651
baseline
▲ 0.50% · 4.625%
HK$105,957
+HK$5,306/mo
Deposit HK$18.82M · loan HK$18.82M · min. income ≈ HK$201,302/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,599,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,004
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$106,208
−HK$3,255/mo
Today · 4.125%
HK$109,463
baseline
▲ 0.50% · 4.625%
HK$116,124
+HK$6,661/mo
Deposit HK$15.06M · loan HK$22.59M · min. income ≈ HK$218,926/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,599,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,591
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$117,664
−HK$3,118/mo
Today · 4.125%
HK$120,782
baseline
▲ 0.50% · 4.625%
HK$127,148
+HK$6,366/mo
Deposit HK$15.06M · loan HK$22.59M · min. income ≈ HK$241,564/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,599,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,171
−HK$7,536/mo
▼ 0.25% · 3.875%
HK$123,909
−HK$3,798/mo
Today · 4.125%
HK$127,707
baseline
▲ 0.50% · 4.625%
HK$135,478
+HK$7,771/mo
Deposit HK$11.29M · loan HK$26.35M · min. income ≈ HK$255,414/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,599,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,689
−HK$7,223/mo
▼ 0.25% · 3.875%
HK$137,275
−HK$3,637/mo
Today · 4.125%
HK$140,912
baseline
▲ 0.50% · 4.625%
HK$148,340
+HK$7,428/mo
Deposit HK$11.29M · loan HK$26.35M · min. income ≈ HK$281,824/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,599,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,506
−HK$9,689/mo
▼ 0.25% · 3.875%
HK$159,312
−HK$4,883/mo
Today · 4.125%
HK$164,195
baseline
▲ 0.50% · 4.625%
HK$174,186
+HK$9,991/mo
Deposit HK$3.76M · loan HK$33.88M · min. income ≈ HK$328,390/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,599,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,886
−HK$9,287/mo
▼ 0.25% · 3.875%
HK$176,496
−HK$4,677/mo
Today · 4.125%
HK$181,173
baseline
▲ 0.50% · 4.625%
HK$190,723
+HK$9,550/mo
Deposit HK$3.76M · loan HK$33.88M · min. income ≈ HK$362,346/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,599,844 · Scale 2, in force from 26 Feb 2026)