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$85,821
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$88,491
−HK$2,712/mo
Today · 4.125%
HK$91,203
baseline
▲ 0.50% · 4.625%
HK$96,752
+HK$5,549/mo
Deposit HK$18.82M · loan HK$18.82M · min. income ≈ HK$182,406/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,599,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,475
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$98,036
−HK$2,597/mo
Today · 4.125%
HK$100,633
baseline
▲ 0.50% · 4.625%
HK$105,938
+HK$5,305/mo
Deposit HK$18.82M · loan HK$18.82M · min. income ≈ HK$201,266/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,599,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,985
−HK$6,458/mo
▼ 0.25% · 3.875%
HK$106,189
−HK$3,254/mo
Today · 4.125%
HK$109,443
baseline
▲ 0.50% · 4.625%
HK$116,103
+HK$6,660/mo
Deposit HK$15.05M · loan HK$22.58M · min. income ≈ HK$218,886/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,599,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,570
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$117,643
−HK$3,117/mo
Today · 4.125%
HK$120,760
baseline
▲ 0.50% · 4.625%
HK$127,125
+HK$6,365/mo
Deposit HK$15.05M · loan HK$22.58M · min. income ≈ HK$241,520/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,599,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,149
−HK$7,535/mo
▼ 0.25% · 3.875%
HK$123,887
−HK$3,797/mo
Today · 4.125%
HK$127,684
baseline
▲ 0.50% · 4.625%
HK$135,453
+HK$7,769/mo
Deposit HK$11.29M · loan HK$26.35M · min. income ≈ HK$255,368/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,599,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,665
−HK$7,222/mo
▼ 0.25% · 3.875%
HK$137,250
−HK$3,637/mo
Today · 4.125%
HK$140,887
baseline
▲ 0.50% · 4.625%
HK$148,313
+HK$7,426/mo
Deposit HK$11.29M · loan HK$26.35M · min. income ≈ HK$281,774/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,599,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,478
−HK$9,687/mo
▼ 0.25% · 3.875%
HK$159,283
−HK$4,882/mo
Today · 4.125%
HK$164,165
baseline
▲ 0.50% · 4.625%
HK$174,154
+HK$9,989/mo
Deposit HK$3.76M · loan HK$33.87M · min. income ≈ HK$328,330/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,599,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,855
−HK$9,285/mo
▼ 0.25% · 3.875%
HK$176,464
−HK$4,676/mo
Today · 4.125%
HK$181,140
baseline
▲ 0.50% · 4.625%
HK$190,688
+HK$9,548/mo
Deposit HK$3.76M · loan HK$33.87M · min. income ≈ HK$362,280/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,599,555 · Scale 2, in force from 26 Feb 2026)