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$85,956
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$88,630
−HK$2,717/mo
Today · 4.125%
HK$91,347
baseline
▲ 0.50% · 4.625%
HK$96,905
+HK$5,558/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$182,694/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,602,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,626
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$98,190
−HK$2,602/mo
Today · 4.125%
HK$100,792
baseline
▲ 0.50% · 4.625%
HK$106,105
+HK$5,313/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$201,584/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,602,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,148
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$106,356
−HK$3,260/mo
Today · 4.125%
HK$109,616
baseline
▲ 0.50% · 4.625%
HK$116,286
+HK$6,670/mo
Deposit HK$15.08M · loan HK$22.62M · min. income ≈ HK$219,232/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,602,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,751
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$117,828
−HK$3,122/mo
Today · 4.125%
HK$120,950
baseline
▲ 0.50% · 4.625%
HK$127,326
+HK$6,376/mo
Deposit HK$15.08M · loan HK$22.62M · min. income ≈ HK$241,900/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,602,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,339
−HK$7,546/mo
▼ 0.25% · 3.875%
HK$124,082
−HK$3,803/mo
Today · 4.125%
HK$127,885
baseline
▲ 0.50% · 4.625%
HK$135,667
+HK$7,782/mo
Deposit HK$11.31M · loan HK$26.39M · min. income ≈ HK$255,770/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,602,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,876
−HK$7,233/mo
▼ 0.25% · 3.875%
HK$137,466
−HK$3,643/mo
Today · 4.125%
HK$141,109
baseline
▲ 0.50% · 4.625%
HK$148,547
+HK$7,438/mo
Deposit HK$11.31M · loan HK$26.39M · min. income ≈ HK$282,218/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,602,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,722
−HK$9,702/mo
▼ 0.25% · 3.875%
HK$159,534
−HK$4,890/mo
Today · 4.125%
HK$164,424
baseline
▲ 0.50% · 4.625%
HK$174,429
+HK$10,005/mo
Deposit HK$3.77M · loan HK$33.93M · min. income ≈ HK$328,848/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,126
−HK$9,300/mo
▼ 0.25% · 3.875%
HK$176,743
−HK$4,683/mo
Today · 4.125%
HK$181,426
baseline
▲ 0.50% · 4.625%
HK$190,989
+HK$9,563/mo
Deposit HK$3.77M · loan HK$33.93M · min. income ≈ HK$362,852/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,079 · Scale 2, in force from 26 Feb 2026)