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$85,868
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$88,539
−HK$2,713/mo
Today · 4.125%
HK$91,252
baseline
▲ 0.50% · 4.625%
HK$96,805
+HK$5,553/mo
Deposit HK$18.83M · loan HK$18.83M · min. income ≈ HK$182,504/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,600,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,527
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$98,089
−HK$2,599/mo
Today · 4.125%
HK$100,688
baseline
▲ 0.50% · 4.625%
HK$105,995
+HK$5,307/mo
Deposit HK$18.83M · loan HK$18.83M · min. income ≈ HK$201,376/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,600,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,041
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$106,246
−HK$3,257/mo
Today · 4.125%
HK$109,503
baseline
▲ 0.50% · 4.625%
HK$116,166
+HK$6,663/mo
Deposit HK$15.06M · loan HK$22.59M · min. income ≈ HK$219,006/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,600,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,632
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$117,707
−HK$3,119/mo
Today · 4.125%
HK$120,826
baseline
▲ 0.50% · 4.625%
HK$127,195
+HK$6,369/mo
Deposit HK$15.06M · loan HK$22.59M · min. income ≈ HK$241,652/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,600,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,215
−HK$7,538/mo
▼ 0.25% · 3.875%
HK$123,954
−HK$3,799/mo
Today · 4.125%
HK$127,753
baseline
▲ 0.50% · 4.625%
HK$135,527
+HK$7,774/mo
Deposit HK$11.30M · loan HK$26.36M · min. income ≈ HK$255,506/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,600,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,738
−HK$7,225/mo
▼ 0.25% · 3.875%
HK$137,325
−HK$3,638/mo
Today · 4.125%
HK$140,963
baseline
▲ 0.50% · 4.625%
HK$148,394
+HK$7,431/mo
Deposit HK$11.30M · loan HK$26.36M · min. income ≈ HK$281,926/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,600,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,562
−HK$9,692/mo
▼ 0.25% · 3.875%
HK$159,370
−HK$4,884/mo
Today · 4.125%
HK$164,254
baseline
▲ 0.50% · 4.625%
HK$174,249
+HK$9,995/mo
Deposit HK$3.77M · loan HK$33.89M · min. income ≈ HK$328,508/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,600,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,949
−HK$9,289/mo
▼ 0.25% · 3.875%
HK$176,560
−HK$4,678/mo
Today · 4.125%
HK$181,238
baseline
▲ 0.50% · 4.625%
HK$190,792
+HK$9,554/mo
Deposit HK$3.77M · loan HK$33.89M · min. income ≈ HK$362,476/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,600,425 · Scale 2, in force from 26 Feb 2026)