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$85,889
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$88,560
−HK$2,714/mo
Today · 4.125%
HK$91,274
baseline
▲ 0.50% · 4.625%
HK$96,828
+HK$5,554/mo
Deposit HK$18.83M · loan HK$18.83M · min. income ≈ HK$182,548/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,600,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,550
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$98,113
−HK$2,599/mo
Today · 4.125%
HK$100,712
baseline
▲ 0.50% · 4.625%
HK$106,021
+HK$5,309/mo
Deposit HK$18.83M · loan HK$18.83M · min. income ≈ HK$201,424/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,600,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,066
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$106,272
−HK$3,257/mo
Today · 4.125%
HK$109,529
baseline
▲ 0.50% · 4.625%
HK$116,194
+HK$6,665/mo
Deposit HK$15.07M · loan HK$22.60M · min. income ≈ HK$219,058/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,600,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,660
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$117,735
−HK$3,120/mo
Today · 4.125%
HK$120,855
baseline
▲ 0.50% · 4.625%
HK$127,225
+HK$6,370/mo
Deposit HK$15.07M · loan HK$22.60M · min. income ≈ HK$241,710/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,600,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,244
−HK$7,540/mo
▼ 0.25% · 3.875%
HK$123,984
−HK$3,800/mo
Today · 4.125%
HK$127,784
baseline
▲ 0.50% · 4.625%
HK$135,560
+HK$7,776/mo
Deposit HK$11.30M · loan HK$26.37M · min. income ≈ HK$255,568/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,600,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,770
−HK$7,227/mo
▼ 0.25% · 3.875%
HK$137,358
−HK$3,639/mo
Today · 4.125%
HK$140,997
baseline
▲ 0.50% · 4.625%
HK$148,429
+HK$7,432/mo
Deposit HK$11.30M · loan HK$26.37M · min. income ≈ HK$281,994/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,600,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,599
−HK$9,695/mo
▼ 0.25% · 3.875%
HK$159,408
−HK$4,886/mo
Today · 4.125%
HK$164,294
baseline
▲ 0.50% · 4.625%
HK$174,291
+HK$9,997/mo
Deposit HK$3.77M · loan HK$33.90M · min. income ≈ HK$328,588/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,600,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,990
−HK$9,292/mo
▼ 0.25% · 3.875%
HK$176,603
−HK$4,679/mo
Today · 4.125%
HK$181,282
baseline
▲ 0.50% · 4.625%
HK$190,838
+HK$9,556/mo
Deposit HK$3.77M · loan HK$33.90M · min. income ≈ HK$362,564/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,600,812 · Scale 2, in force from 26 Feb 2026)