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$86,195
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$88,876
−HK$2,724/mo
Today · 4.125%
HK$91,600
baseline
▲ 0.50% · 4.625%
HK$97,174
+HK$5,574/mo
Deposit HK$18.90M · loan HK$18.90M · min. income ≈ HK$183,200/mo (50% DSR)
Upfront cash ≈ HK$20.51M (deposit + AVD stamp duty HK$1,606,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,891
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$98,463
−HK$2,609/mo
Today · 4.125%
HK$101,072
baseline
▲ 0.50% · 4.625%
HK$106,400
+HK$5,328/mo
Deposit HK$18.90M · loan HK$18.90M · min. income ≈ HK$202,144/mo (50% DSR)
Upfront cash ≈ HK$20.51M (deposit + AVD stamp duty HK$1,606,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,434
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$106,652
−HK$3,268/mo
Today · 4.125%
HK$109,920
baseline
▲ 0.50% · 4.625%
HK$116,609
+HK$6,689/mo
Deposit HK$15.12M · loan HK$22.68M · min. income ≈ HK$219,840/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,606,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,069
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$118,156
−HK$3,130/mo
Today · 4.125%
HK$121,286
baseline
▲ 0.50% · 4.625%
HK$127,679
+HK$6,393/mo
Deposit HK$15.12M · loan HK$22.68M · min. income ≈ HK$242,572/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,606,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,673
−HK$7,567/mo
▼ 0.25% · 3.875%
HK$124,427
−HK$3,813/mo
Today · 4.125%
HK$128,240
baseline
▲ 0.50% · 4.625%
HK$136,044
+HK$7,804/mo
Deposit HK$11.34M · loan HK$26.46M · min. income ≈ HK$256,480/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,606,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,248
−HK$7,253/mo
▼ 0.25% · 3.875%
HK$137,848
−HK$3,653/mo
Today · 4.125%
HK$141,501
baseline
▲ 0.50% · 4.625%
HK$148,959
+HK$7,458/mo
Deposit HK$11.34M · loan HK$26.46M · min. income ≈ HK$283,002/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,606,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,151
−HK$9,730/mo
▼ 0.25% · 3.875%
HK$159,977
−HK$4,904/mo
Today · 4.125%
HK$164,881
baseline
▲ 0.50% · 4.625%
HK$174,913
+HK$10,032/mo
Deposit HK$3.78M · loan HK$34.02M · min. income ≈ HK$329,762/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,606,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,604
−HK$9,325/mo
▼ 0.25% · 3.875%
HK$177,233
−HK$4,696/mo
Today · 4.125%
HK$181,929
baseline
▲ 0.50% · 4.625%
HK$191,519
+HK$9,590/mo
Deposit HK$3.78M · loan HK$34.02M · min. income ≈ HK$363,858/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,606,527 · Scale 2, in force from 26 Feb 2026)