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$86,590
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$89,284
−HK$2,736/mo
Today · 4.125%
HK$92,020
baseline
▲ 0.50% · 4.625%
HK$97,619
+HK$5,599/mo
Deposit HK$18.99M · loan HK$18.99M · min. income ≈ HK$184,040/mo (50% DSR)
Upfront cash ≈ HK$20.60M (deposit + AVD stamp duty HK$1,613,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,331
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$98,914
−HK$2,621/mo
Today · 4.125%
HK$101,535
baseline
▲ 0.50% · 4.625%
HK$106,887
+HK$5,352/mo
Deposit HK$18.99M · loan HK$18.99M · min. income ≈ HK$203,070/mo (50% DSR)
Upfront cash ≈ HK$20.60M (deposit + AVD stamp duty HK$1,613,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,908
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$107,140
−HK$3,284/mo
Today · 4.125%
HK$110,424
baseline
▲ 0.50% · 4.625%
HK$117,143
+HK$6,719/mo
Deposit HK$15.19M · loan HK$22.78M · min. income ≈ HK$220,848/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,613,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,597
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$118,697
−HK$3,145/mo
Today · 4.125%
HK$121,842
baseline
▲ 0.50% · 4.625%
HK$128,265
+HK$6,423/mo
Deposit HK$15.19M · loan HK$22.78M · min. income ≈ HK$243,684/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,613,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,226
−HK$7,602/mo
▼ 0.25% · 3.875%
HK$124,997
−HK$3,831/mo
Today · 4.125%
HK$128,828
baseline
▲ 0.50% · 4.625%
HK$136,667
+HK$7,839/mo
Deposit HK$11.39M · loan HK$26.58M · min. income ≈ HK$257,656/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,613,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,863
−HK$7,286/mo
▼ 0.25% · 3.875%
HK$138,480
−HK$3,669/mo
Today · 4.125%
HK$142,149
baseline
▲ 0.50% · 4.625%
HK$149,642
+HK$7,493/mo
Deposit HK$11.39M · loan HK$26.58M · min. income ≈ HK$284,298/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,613,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,862
−HK$9,774/mo
▼ 0.25% · 3.875%
HK$160,711
−HK$4,925/mo
Today · 4.125%
HK$165,636
baseline
▲ 0.50% · 4.625%
HK$175,715
+HK$10,079/mo
Deposit HK$3.80M · loan HK$34.18M · min. income ≈ HK$331,272/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,613,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,395
−HK$9,368/mo
▼ 0.25% · 3.875%
HK$178,046
−HK$4,717/mo
Today · 4.125%
HK$182,763
baseline
▲ 0.50% · 4.625%
HK$192,397
+HK$9,634/mo
Deposit HK$3.80M · loan HK$34.18M · min. income ≈ HK$365,526/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,613,891 · Scale 2, in force from 26 Feb 2026)