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$86,398
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$89,085
−HK$2,731/mo
Today · 4.125%
HK$91,816
baseline
▲ 0.50% · 4.625%
HK$97,403
+HK$5,587/mo
Deposit HK$18.94M · loan HK$18.94M · min. income ≈ HK$183,632/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$1,610,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,117
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$98,695
−HK$2,615/mo
Today · 4.125%
HK$101,310
baseline
▲ 0.50% · 4.625%
HK$106,650
+HK$5,340/mo
Deposit HK$18.94M · loan HK$18.94M · min. income ≈ HK$202,620/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$1,610,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,678
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$106,903
−HK$3,276/mo
Today · 4.125%
HK$110,179
baseline
▲ 0.50% · 4.625%
HK$116,883
+HK$6,704/mo
Deposit HK$15.16M · loan HK$22.73M · min. income ≈ HK$220,358/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,610,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,340
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$118,434
−HK$3,138/mo
Today · 4.125%
HK$121,572
baseline
▲ 0.50% · 4.625%
HK$127,980
+HK$6,408/mo
Deposit HK$15.16M · loan HK$22.73M · min. income ≈ HK$243,144/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,610,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,957
−HK$7,585/mo
▼ 0.25% · 3.875%
HK$124,720
−HK$3,822/mo
Today · 4.125%
HK$128,542
baseline
▲ 0.50% · 4.625%
HK$136,364
+HK$7,822/mo
Deposit HK$11.37M · loan HK$26.52M · min. income ≈ HK$257,084/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,610,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,564
−HK$7,270/mo
▼ 0.25% · 3.875%
HK$138,173
−HK$3,661/mo
Today · 4.125%
HK$141,834
baseline
▲ 0.50% · 4.625%
HK$149,310
+HK$7,476/mo
Deposit HK$11.37M · loan HK$26.52M · min. income ≈ HK$283,668/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,610,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,516
−HK$9,753/mo
▼ 0.25% · 3.875%
HK$160,354
−HK$4,915/mo
Today · 4.125%
HK$165,269
baseline
▲ 0.50% · 4.625%
HK$175,325
+HK$10,056/mo
Deposit HK$3.79M · loan HK$34.10M · min. income ≈ HK$330,538/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,610,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,010
−HK$9,348/mo
▼ 0.25% · 3.875%
HK$177,650
−HK$4,708/mo
Today · 4.125%
HK$182,358
baseline
▲ 0.50% · 4.625%
HK$191,970
+HK$9,612/mo
Deposit HK$3.79M · loan HK$34.10M · min. income ≈ HK$364,716/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,610,307 · Scale 2, in force from 26 Feb 2026)