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$86,421
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$89,109
−HK$2,731/mo
Today · 4.125%
HK$91,840
baseline
▲ 0.50% · 4.625%
HK$97,429
+HK$5,589/mo
Deposit HK$18.95M · loan HK$18.95M · min. income ≈ HK$183,680/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$1,610,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,143
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$98,721
−HK$2,616/mo
Today · 4.125%
HK$101,337
baseline
▲ 0.50% · 4.625%
HK$106,678
+HK$5,341/mo
Deposit HK$18.95M · loan HK$18.95M · min. income ≈ HK$202,674/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$1,610,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,705
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$106,931
−HK$3,277/mo
Today · 4.125%
HK$110,208
baseline
▲ 0.50% · 4.625%
HK$116,914
+HK$6,706/mo
Deposit HK$15.16M · loan HK$22.74M · min. income ≈ HK$220,416/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,610,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,371
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$118,465
−HK$3,139/mo
Today · 4.125%
HK$121,604
baseline
▲ 0.50% · 4.625%
HK$128,014
+HK$6,410/mo
Deposit HK$15.16M · loan HK$22.74M · min. income ≈ HK$243,208/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,610,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,989
−HK$7,588/mo
▼ 0.25% · 3.875%
HK$124,753
−HK$3,824/mo
Today · 4.125%
HK$128,577
baseline
▲ 0.50% · 4.625%
HK$136,400
+HK$7,823/mo
Deposit HK$11.37M · loan HK$26.53M · min. income ≈ HK$257,154/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,610,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,600
−HK$7,272/mo
▼ 0.25% · 3.875%
HK$138,209
−HK$3,663/mo
Today · 4.125%
HK$141,872
baseline
▲ 0.50% · 4.625%
HK$149,350
+HK$7,478/mo
Deposit HK$11.37M · loan HK$26.53M · min. income ≈ HK$283,744/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,610,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,558
−HK$9,755/mo
▼ 0.25% · 3.875%
HK$160,397
−HK$4,916/mo
Today · 4.125%
HK$165,313
baseline
▲ 0.50% · 4.625%
HK$175,372
+HK$10,059/mo
Deposit HK$3.79M · loan HK$34.11M · min. income ≈ HK$330,626/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,610,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,057
−HK$9,349/mo
▼ 0.25% · 3.875%
HK$177,698
−HK$4,708/mo
Today · 4.125%
HK$182,406
baseline
▲ 0.50% · 4.625%
HK$192,021
+HK$9,615/mo
Deposit HK$3.79M · loan HK$34.11M · min. income ≈ HK$364,812/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,610,738 · Scale 2, in force from 26 Feb 2026)