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$85,967
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$88,641
−HK$2,717/mo
Today · 4.125%
HK$91,358
baseline
▲ 0.50% · 4.625%
HK$96,917
+HK$5,559/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$182,716/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,602,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,637
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$98,202
−HK$2,602/mo
Today · 4.125%
HK$100,804
baseline
▲ 0.50% · 4.625%
HK$106,118
+HK$5,314/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$201,608/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,602,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,160
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$106,369
−HK$3,260/mo
Today · 4.125%
HK$109,629
baseline
▲ 0.50% · 4.625%
HK$116,300
+HK$6,671/mo
Deposit HK$15.08M · loan HK$22.62M · min. income ≈ HK$219,258/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,602,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,765
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$117,843
−HK$3,122/mo
Today · 4.125%
HK$120,965
baseline
▲ 0.50% · 4.625%
HK$127,341
+HK$6,376/mo
Deposit HK$15.08M · loan HK$22.62M · min. income ≈ HK$241,930/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,602,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,353
−HK$7,548/mo
▼ 0.25% · 3.875%
HK$124,097
−HK$3,804/mo
Today · 4.125%
HK$127,901
baseline
▲ 0.50% · 4.625%
HK$135,683
+HK$7,782/mo
Deposit HK$11.31M · loan HK$26.39M · min. income ≈ HK$255,802/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,602,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,892
−HK$7,234/mo
▼ 0.25% · 3.875%
HK$137,483
−HK$3,643/mo
Today · 4.125%
HK$141,126
baseline
▲ 0.50% · 4.625%
HK$148,565
+HK$7,439/mo
Deposit HK$11.31M · loan HK$26.39M · min. income ≈ HK$282,252/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,602,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,740
−HK$9,704/mo
▼ 0.25% · 3.875%
HK$159,553
−HK$4,891/mo
Today · 4.125%
HK$164,444
baseline
▲ 0.50% · 4.625%
HK$174,450
+HK$10,006/mo
Deposit HK$3.77M · loan HK$33.93M · min. income ≈ HK$328,888/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,147
−HK$9,300/mo
▼ 0.25% · 3.875%
HK$176,764
−HK$4,683/mo
Today · 4.125%
HK$181,447
baseline
▲ 0.50% · 4.625%
HK$191,012
+HK$9,565/mo
Deposit HK$3.77M · loan HK$33.93M · min. income ≈ HK$362,894/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,271 · Scale 2, in force from 26 Feb 2026)