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$86,023
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$88,698
−HK$2,719/mo
Today · 4.125%
HK$91,417
baseline
▲ 0.50% · 4.625%
HK$96,979
+HK$5,562/mo
Deposit HK$18.86M · loan HK$18.86M · min. income ≈ HK$182,834/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,603,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,699
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$98,266
−HK$2,604/mo
Today · 4.125%
HK$100,870
baseline
▲ 0.50% · 4.625%
HK$106,187
+HK$5,317/mo
Deposit HK$18.86M · loan HK$18.86M · min. income ≈ HK$201,740/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,603,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,227
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$106,438
−HK$3,262/mo
Today · 4.125%
HK$109,700
baseline
▲ 0.50% · 4.625%
HK$116,375
+HK$6,675/mo
Deposit HK$15.09M · loan HK$22.63M · min. income ≈ HK$219,400/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,603,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,839
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$117,919
−HK$3,125/mo
Today · 4.125%
HK$121,044
baseline
▲ 0.50% · 4.625%
HK$127,424
+HK$6,380/mo
Deposit HK$15.09M · loan HK$22.63M · min. income ≈ HK$242,088/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,603,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,432
−HK$7,552/mo
▼ 0.25% · 3.875%
HK$124,178
−HK$3,806/mo
Today · 4.125%
HK$127,984
baseline
▲ 0.50% · 4.625%
HK$135,771
+HK$7,787/mo
Deposit HK$11.32M · loan HK$26.41M · min. income ≈ HK$255,968/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,603,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,979
−HK$7,238/mo
▼ 0.25% · 3.875%
HK$137,572
−HK$3,645/mo
Today · 4.125%
HK$141,217
baseline
▲ 0.50% · 4.625%
HK$148,661
+HK$7,444/mo
Deposit HK$11.32M · loan HK$26.41M · min. income ≈ HK$282,434/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,603,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,841
−HK$9,710/mo
▼ 0.25% · 3.875%
HK$159,657
−HK$4,894/mo
Today · 4.125%
HK$164,551
baseline
▲ 0.50% · 4.625%
HK$174,563
+HK$10,012/mo
Deposit HK$3.77M · loan HK$33.95M · min. income ≈ HK$329,102/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,603,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,259
−HK$9,306/mo
▼ 0.25% · 3.875%
HK$176,879
−HK$4,686/mo
Today · 4.125%
HK$181,565
baseline
▲ 0.50% · 4.625%
HK$191,136
+HK$9,571/mo
Deposit HK$3.77M · loan HK$33.95M · min. income ≈ HK$363,130/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,603,312 · Scale 2, in force from 26 Feb 2026)