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$86,226
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$88,908
−HK$2,725/mo
Today · 4.125%
HK$91,633
baseline
▲ 0.50% · 4.625%
HK$97,209
+HK$5,576/mo
Deposit HK$18.91M · loan HK$18.91M · min. income ≈ HK$183,266/mo (50% DSR)
Upfront cash ≈ HK$20.51M (deposit + AVD stamp duty HK$1,607,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,926
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$98,498
−HK$2,610/mo
Today · 4.125%
HK$101,108
baseline
▲ 0.50% · 4.625%
HK$106,438
+HK$5,330/mo
Deposit HK$18.91M · loan HK$18.91M · min. income ≈ HK$202,216/mo (50% DSR)
Upfront cash ≈ HK$20.51M (deposit + AVD stamp duty HK$1,607,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,471
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$106,690
−HK$3,270/mo
Today · 4.125%
HK$109,960
baseline
▲ 0.50% · 4.625%
HK$116,651
+HK$6,691/mo
Deposit HK$15.13M · loan HK$22.69M · min. income ≈ HK$219,920/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,607,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,111
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$118,198
−HK$3,132/mo
Today · 4.125%
HK$121,330
baseline
▲ 0.50% · 4.625%
HK$127,725
+HK$6,395/mo
Deposit HK$15.13M · loan HK$22.69M · min. income ≈ HK$242,660/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,607,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,716
−HK$7,570/mo
▼ 0.25% · 3.875%
HK$124,471
−HK$3,815/mo
Today · 4.125%
HK$128,286
baseline
▲ 0.50% · 4.625%
HK$136,092
+HK$7,806/mo
Deposit HK$11.34M · loan HK$26.47M · min. income ≈ HK$256,572/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,607,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,296
−HK$7,255/mo
▼ 0.25% · 3.875%
HK$137,897
−HK$3,654/mo
Today · 4.125%
HK$141,551
baseline
▲ 0.50% · 4.625%
HK$149,013
+HK$7,462/mo
Deposit HK$11.34M · loan HK$26.47M · min. income ≈ HK$283,102/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,607,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,207
−HK$9,733/mo
▼ 0.25% · 3.875%
HK$160,035
−HK$4,905/mo
Today · 4.125%
HK$164,940
baseline
▲ 0.50% · 4.625%
HK$174,976
+HK$10,036/mo
Deposit HK$3.78M · loan HK$34.03M · min. income ≈ HK$329,880/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,607,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,666
−HK$9,329/mo
▼ 0.25% · 3.875%
HK$177,297
−HK$4,698/mo
Today · 4.125%
HK$181,995
baseline
▲ 0.50% · 4.625%
HK$191,588
+HK$9,593/mo
Deposit HK$3.78M · loan HK$34.03M · min. income ≈ HK$363,990/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,607,102 · Scale 2, in force from 26 Feb 2026)