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$86,221
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$88,903
−HK$2,725/mo
Today · 4.125%
HK$91,628
baseline
▲ 0.50% · 4.625%
HK$97,203
+HK$5,575/mo
Deposit HK$18.91M · loan HK$18.91M · min. income ≈ HK$183,256/mo (50% DSR)
Upfront cash ≈ HK$20.51M (deposit + AVD stamp duty HK$1,607,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,920
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$98,492
−HK$2,610/mo
Today · 4.125%
HK$101,102
baseline
▲ 0.50% · 4.625%
HK$106,431
+HK$5,329/mo
Deposit HK$18.91M · loan HK$18.91M · min. income ≈ HK$202,204/mo (50% DSR)
Upfront cash ≈ HK$20.51M (deposit + AVD stamp duty HK$1,607,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,465
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$106,683
−HK$3,270/mo
Today · 4.125%
HK$109,953
baseline
▲ 0.50% · 4.625%
HK$116,644
+HK$6,691/mo
Deposit HK$15.12M · loan HK$22.69M · min. income ≈ HK$219,906/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,607,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,104
−HK$6,218/mo
▼ 0.25% · 3.875%
HK$118,191
−HK$3,131/mo
Today · 4.125%
HK$121,322
baseline
▲ 0.50% · 4.625%
HK$127,718
+HK$6,396/mo
Deposit HK$15.12M · loan HK$22.69M · min. income ≈ HK$242,644/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,607,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,709
−HK$7,570/mo
▼ 0.25% · 3.875%
HK$124,464
−HK$3,815/mo
Today · 4.125%
HK$128,279
baseline
▲ 0.50% · 4.625%
HK$136,084
+HK$7,805/mo
Deposit HK$11.34M · loan HK$26.47M · min. income ≈ HK$256,558/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,607,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,288
−HK$7,255/mo
▼ 0.25% · 3.875%
HK$137,889
−HK$3,654/mo
Today · 4.125%
HK$141,543
baseline
▲ 0.50% · 4.625%
HK$149,004
+HK$7,461/mo
Deposit HK$11.34M · loan HK$26.47M · min. income ≈ HK$283,086/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,607,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,197
−HK$9,733/mo
▼ 0.25% · 3.875%
HK$160,025
−HK$4,905/mo
Today · 4.125%
HK$164,930
baseline
▲ 0.50% · 4.625%
HK$174,965
+HK$10,035/mo
Deposit HK$3.78M · loan HK$34.03M · min. income ≈ HK$329,860/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,607,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,656
−HK$9,328/mo
▼ 0.25% · 3.875%
HK$177,286
−HK$4,698/mo
Today · 4.125%
HK$181,984
baseline
▲ 0.50% · 4.625%
HK$191,576
+HK$9,592/mo
Deposit HK$3.78M · loan HK$34.03M · min. income ≈ HK$363,968/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,607,006 · Scale 2, in force from 26 Feb 2026)