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$85,985
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$88,660
−HK$2,718/mo
Today · 4.125%
HK$91,378
baseline
▲ 0.50% · 4.625%
HK$96,938
+HK$5,560/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$182,756/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,602,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,658
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$98,223
−HK$2,603/mo
Today · 4.125%
HK$100,826
baseline
▲ 0.50% · 4.625%
HK$106,141
+HK$5,315/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$201,652/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,602,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,183
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$106,392
−HK$3,261/mo
Today · 4.125%
HK$109,653
baseline
▲ 0.50% · 4.625%
HK$116,325
+HK$6,672/mo
Deposit HK$15.08M · loan HK$22.63M · min. income ≈ HK$219,306/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,602,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,790
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$117,868
−HK$3,123/mo
Today · 4.125%
HK$120,991
baseline
▲ 0.50% · 4.625%
HK$127,369
+HK$6,378/mo
Deposit HK$15.08M · loan HK$22.63M · min. income ≈ HK$241,982/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,602,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,380
−HK$7,549/mo
▼ 0.25% · 3.875%
HK$124,124
−HK$3,805/mo
Today · 4.125%
HK$127,929
baseline
▲ 0.50% · 4.625%
HK$135,713
+HK$7,784/mo
Deposit HK$11.31M · loan HK$26.40M · min. income ≈ HK$255,858/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,602,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,921
−HK$7,235/mo
▼ 0.25% · 3.875%
HK$137,513
−HK$3,643/mo
Today · 4.125%
HK$141,156
baseline
▲ 0.50% · 4.625%
HK$148,597
+HK$7,441/mo
Deposit HK$11.31M · loan HK$26.40M · min. income ≈ HK$282,312/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,602,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,774
−HK$9,706/mo
▼ 0.25% · 3.875%
HK$159,588
−HK$4,892/mo
Today · 4.125%
HK$164,480
baseline
▲ 0.50% · 4.625%
HK$174,488
+HK$10,008/mo
Deposit HK$3.77M · loan HK$33.94M · min. income ≈ HK$328,960/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,184
−HK$9,303/mo
▼ 0.25% · 3.875%
HK$176,802
−HK$4,685/mo
Today · 4.125%
HK$181,487
baseline
▲ 0.50% · 4.625%
HK$191,053
+HK$9,566/mo
Deposit HK$3.77M · loan HK$33.94M · min. income ≈ HK$362,974/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,619 · Scale 2, in force from 26 Feb 2026)