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$85,580
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$88,242
−HK$2,704/mo
Today · 4.125%
HK$90,946
baseline
▲ 0.50% · 4.625%
HK$96,480
+HK$5,534/mo
Deposit HK$18.77M · loan HK$18.77M · min. income ≈ HK$181,892/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,595,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,207
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$97,760
−HK$2,590/mo
Today · 4.125%
HK$100,350
baseline
▲ 0.50% · 4.625%
HK$105,640
+HK$5,290/mo
Deposit HK$18.77M · loan HK$18.77M · min. income ≈ HK$200,700/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,595,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,696
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$105,890
−HK$3,246/mo
Today · 4.125%
HK$109,136
baseline
▲ 0.50% · 4.625%
HK$115,776
+HK$6,640/mo
Deposit HK$15.01M · loan HK$22.52M · min. income ≈ HK$218,272/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,595,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,248
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$117,312
−HK$3,108/mo
Today · 4.125%
HK$120,420
baseline
▲ 0.50% · 4.625%
HK$126,768
+HK$6,348/mo
Deposit HK$15.01M · loan HK$22.52M · min. income ≈ HK$240,840/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,595,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,812
−HK$7,513/mo
▼ 0.25% · 3.875%
HK$123,539
−HK$3,786/mo
Today · 4.125%
HK$127,325
baseline
▲ 0.50% · 4.625%
HK$135,072
+HK$7,747/mo
Deposit HK$11.26M · loan HK$26.27M · min. income ≈ HK$254,650/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,595,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,289
−HK$7,202/mo
▼ 0.25% · 3.875%
HK$136,864
−HK$3,627/mo
Today · 4.125%
HK$140,491
baseline
▲ 0.50% · 4.625%
HK$147,896
+HK$7,405/mo
Deposit HK$11.26M · loan HK$26.27M · min. income ≈ HK$280,982/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,595,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,044
−HK$9,660/mo
▼ 0.25% · 3.875%
HK$158,835
−HK$4,869/mo
Today · 4.125%
HK$163,704
baseline
▲ 0.50% · 4.625%
HK$173,664
+HK$9,960/mo
Deposit HK$3.75M · loan HK$33.78M · min. income ≈ HK$327,408/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,595,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,372
−HK$9,259/mo
▼ 0.25% · 3.875%
HK$175,968
−HK$4,663/mo
Today · 4.125%
HK$180,631
baseline
▲ 0.50% · 4.625%
HK$190,152
+HK$9,521/mo
Deposit HK$3.75M · loan HK$33.78M · min. income ≈ HK$361,262/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,595,058 · Scale 2, in force from 26 Feb 2026)