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$85,907
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$88,579
−HK$2,715/mo
Today · 4.125%
HK$91,294
baseline
▲ 0.50% · 4.625%
HK$96,849
+HK$5,555/mo
Deposit HK$18.84M · loan HK$18.84M · min. income ≈ HK$182,588/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,601,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,571
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$98,134
−HK$2,600/mo
Today · 4.125%
HK$100,734
baseline
▲ 0.50% · 4.625%
HK$106,044
+HK$5,310/mo
Deposit HK$18.84M · loan HK$18.84M · min. income ≈ HK$201,468/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,601,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,089
−HK$6,464/mo
▼ 0.25% · 3.875%
HK$106,295
−HK$3,258/mo
Today · 4.125%
HK$109,553
baseline
▲ 0.50% · 4.625%
HK$116,219
+HK$6,666/mo
Deposit HK$15.07M · loan HK$22.60M · min. income ≈ HK$219,106/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,601,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,685
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$117,761
−HK$3,120/mo
Today · 4.125%
HK$120,881
baseline
▲ 0.50% · 4.625%
HK$127,253
+HK$6,372/mo
Deposit HK$15.07M · loan HK$22.60M · min. income ≈ HK$241,762/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,601,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,270
−HK$7,542/mo
▼ 0.25% · 3.875%
HK$124,011
−HK$3,801/mo
Today · 4.125%
HK$127,812
baseline
▲ 0.50% · 4.625%
HK$135,589
+HK$7,777/mo
Deposit HK$11.30M · loan HK$26.37M · min. income ≈ HK$255,624/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,601,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,799
−HK$7,229/mo
▼ 0.25% · 3.875%
HK$137,388
−HK$3,640/mo
Today · 4.125%
HK$141,028
baseline
▲ 0.50% · 4.625%
HK$148,462
+HK$7,434/mo
Deposit HK$11.30M · loan HK$26.37M · min. income ≈ HK$282,056/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,601,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,633
−HK$9,697/mo
▼ 0.25% · 3.875%
HK$159,443
−HK$4,887/mo
Today · 4.125%
HK$164,330
baseline
▲ 0.50% · 4.625%
HK$174,329
+HK$9,999/mo
Deposit HK$3.77M · loan HK$33.91M · min. income ≈ HK$328,660/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,028
−HK$9,294/mo
▼ 0.25% · 3.875%
HK$176,641
−HK$4,681/mo
Today · 4.125%
HK$181,322
baseline
▲ 0.50% · 4.625%
HK$190,879
+HK$9,557/mo
Deposit HK$3.77M · loan HK$33.91M · min. income ≈ HK$362,644/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,160 · Scale 2, in force from 26 Feb 2026)