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$86,060
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$88,737
−HK$2,720/mo
Today · 4.125%
HK$91,457
baseline
▲ 0.50% · 4.625%
HK$97,022
+HK$5,565/mo
Deposit HK$18.87M · loan HK$18.87M · min. income ≈ HK$182,914/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,604,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,741
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$98,309
−HK$2,605/mo
Today · 4.125%
HK$100,914
baseline
▲ 0.50% · 4.625%
HK$106,233
+HK$5,319/mo
Deposit HK$18.87M · loan HK$18.87M · min. income ≈ HK$201,828/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,604,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,272
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$106,485
−HK$3,263/mo
Today · 4.125%
HK$109,748
baseline
▲ 0.50% · 4.625%
HK$116,426
+HK$6,678/mo
Deposit HK$15.10M · loan HK$22.64M · min. income ≈ HK$219,496/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,604,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,889
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$117,971
−HK$3,125/mo
Today · 4.125%
HK$121,096
baseline
▲ 0.50% · 4.625%
HK$127,480
+HK$6,384/mo
Deposit HK$15.10M · loan HK$22.64M · min. income ≈ HK$242,192/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,604,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,484
−HK$7,556/mo
▼ 0.25% · 3.875%
HK$124,232
−HK$3,808/mo
Today · 4.125%
HK$128,040
baseline
▲ 0.50% · 4.625%
HK$135,831
+HK$7,791/mo
Deposit HK$11.32M · loan HK$26.42M · min. income ≈ HK$256,080/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,037
−HK$7,242/mo
▼ 0.25% · 3.875%
HK$137,632
−HK$3,647/mo
Today · 4.125%
HK$141,279
baseline
▲ 0.50% · 4.625%
HK$148,726
+HK$7,447/mo
Deposit HK$11.32M · loan HK$26.42M · min. income ≈ HK$282,558/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,908
−HK$9,714/mo
▼ 0.25% · 3.875%
HK$159,727
−HK$4,895/mo
Today · 4.125%
HK$164,622
baseline
▲ 0.50% · 4.625%
HK$174,639
+HK$10,017/mo
Deposit HK$3.77M · loan HK$33.97M · min. income ≈ HK$329,244/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,334
−HK$9,311/mo
▼ 0.25% · 3.875%
HK$176,956
−HK$4,689/mo
Today · 4.125%
HK$181,645
baseline
▲ 0.50% · 4.625%
HK$191,219
+HK$9,574/mo
Deposit HK$3.77M · loan HK$33.97M · min. income ≈ HK$363,290/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,012 · Scale 2, in force from 26 Feb 2026)