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$85,955
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$88,629
−HK$2,716/mo
Today · 4.125%
HK$91,345
baseline
▲ 0.50% · 4.625%
HK$96,904
+HK$5,559/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$182,690/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,602,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,624
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$98,189
−HK$2,602/mo
Today · 4.125%
HK$100,791
baseline
▲ 0.50% · 4.625%
HK$106,104
+HK$5,313/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$201,582/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,602,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,146
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$106,355
−HK$3,260/mo
Today · 4.125%
HK$109,615
baseline
▲ 0.50% · 4.625%
HK$116,284
+HK$6,669/mo
Deposit HK$15.08M · loan HK$22.62M · min. income ≈ HK$219,230/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,602,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,749
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$117,827
−HK$3,122/mo
Today · 4.125%
HK$120,949
baseline
▲ 0.50% · 4.625%
HK$127,324
+HK$6,375/mo
Deposit HK$15.08M · loan HK$22.62M · min. income ≈ HK$241,898/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,602,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,337
−HK$7,547/mo
▼ 0.25% · 3.875%
HK$124,081
−HK$3,803/mo
Today · 4.125%
HK$127,884
baseline
▲ 0.50% · 4.625%
HK$135,665
+HK$7,781/mo
Deposit HK$11.31M · loan HK$26.39M · min. income ≈ HK$255,768/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,602,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,874
−HK$7,233/mo
▼ 0.25% · 3.875%
HK$137,465
−HK$3,642/mo
Today · 4.125%
HK$141,107
baseline
▲ 0.50% · 4.625%
HK$148,545
+HK$7,438/mo
Deposit HK$11.31M · loan HK$26.39M · min. income ≈ HK$282,214/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,602,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,720
−HK$9,702/mo
▼ 0.25% · 3.875%
HK$159,532
−HK$4,890/mo
Today · 4.125%
HK$164,422
baseline
▲ 0.50% · 4.625%
HK$174,427
+HK$10,005/mo
Deposit HK$3.77M · loan HK$33.93M · min. income ≈ HK$328,844/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,124
−HK$9,299/mo
▼ 0.25% · 3.875%
HK$176,740
−HK$4,683/mo
Today · 4.125%
HK$181,423
baseline
▲ 0.50% · 4.625%
HK$190,986
+HK$9,563/mo
Deposit HK$3.77M · loan HK$33.93M · min. income ≈ HK$362,846/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,057 · Scale 2, in force from 26 Feb 2026)