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$85,862
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$88,533
−HK$2,713/mo
Today · 4.125%
HK$91,246
baseline
▲ 0.50% · 4.625%
HK$96,799
+HK$5,553/mo
Deposit HK$18.83M · loan HK$18.83M · min. income ≈ HK$182,492/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,600,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,521
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$98,083
−HK$2,598/mo
Today · 4.125%
HK$100,681
baseline
▲ 0.50% · 4.625%
HK$105,989
+HK$5,308/mo
Deposit HK$18.83M · loan HK$18.83M · min. income ≈ HK$201,362/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,600,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,035
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$106,240
−HK$3,256/mo
Today · 4.125%
HK$109,496
baseline
▲ 0.50% · 4.625%
HK$116,158
+HK$6,662/mo
Deposit HK$15.06M · loan HK$22.59M · min. income ≈ HK$218,992/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,600,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,625
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$117,699
−HK$3,119/mo
Today · 4.125%
HK$120,818
baseline
▲ 0.50% · 4.625%
HK$127,186
+HK$6,368/mo
Deposit HK$15.06M · loan HK$22.59M · min. income ≈ HK$241,636/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,600,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,207
−HK$7,538/mo
▼ 0.25% · 3.875%
HK$123,946
−HK$3,799/mo
Today · 4.125%
HK$127,745
baseline
▲ 0.50% · 4.625%
HK$135,518
+HK$7,773/mo
Deposit HK$11.30M · loan HK$26.36M · min. income ≈ HK$255,490/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,600,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,729
−HK$7,225/mo
▼ 0.25% · 3.875%
HK$137,316
−HK$3,638/mo
Today · 4.125%
HK$140,954
baseline
▲ 0.50% · 4.625%
HK$148,384
+HK$7,430/mo
Deposit HK$11.30M · loan HK$26.36M · min. income ≈ HK$281,908/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,600,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,552
−HK$9,692/mo
▼ 0.25% · 3.875%
HK$159,359
−HK$4,885/mo
Today · 4.125%
HK$164,244
baseline
▲ 0.50% · 4.625%
HK$174,238
+HK$9,994/mo
Deposit HK$3.77M · loan HK$33.89M · min. income ≈ HK$328,488/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,600,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,937
−HK$9,290/mo
▼ 0.25% · 3.875%
HK$176,549
−HK$4,678/mo
Today · 4.125%
HK$181,227
baseline
▲ 0.50% · 4.625%
HK$190,779
+HK$9,552/mo
Deposit HK$3.77M · loan HK$33.89M · min. income ≈ HK$362,454/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,600,321 · Scale 2, in force from 26 Feb 2026)