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$85,995
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$88,670
−HK$2,717/mo
Today · 4.125%
HK$91,387
baseline
▲ 0.50% · 4.625%
HK$96,948
+HK$5,561/mo
Deposit HK$18.86M · loan HK$18.86M · min. income ≈ HK$182,774/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,602,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,668
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$98,234
−HK$2,603/mo
Today · 4.125%
HK$100,837
baseline
▲ 0.50% · 4.625%
HK$106,152
+HK$5,315/mo
Deposit HK$18.86M · loan HK$18.86M · min. income ≈ HK$201,674/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,602,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,194
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$106,404
−HK$3,261/mo
Today · 4.125%
HK$109,665
baseline
▲ 0.50% · 4.625%
HK$116,338
+HK$6,673/mo
Deposit HK$15.09M · loan HK$22.63M · min. income ≈ HK$219,330/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,602,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,802
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$117,881
−HK$3,123/mo
Today · 4.125%
HK$121,004
baseline
▲ 0.50% · 4.625%
HK$127,383
+HK$6,379/mo
Deposit HK$15.09M · loan HK$22.63M · min. income ≈ HK$242,008/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,602,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,393
−HK$7,549/mo
▼ 0.25% · 3.875%
HK$124,137
−HK$3,805/mo
Today · 4.125%
HK$127,942
baseline
▲ 0.50% · 4.625%
HK$135,727
+HK$7,785/mo
Deposit HK$11.31M · loan HK$26.40M · min. income ≈ HK$255,884/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,602,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,936
−HK$7,236/mo
▼ 0.25% · 3.875%
HK$137,528
−HK$3,644/mo
Today · 4.125%
HK$141,172
baseline
▲ 0.50% · 4.625%
HK$148,613
+HK$7,441/mo
Deposit HK$11.31M · loan HK$26.40M · min. income ≈ HK$282,344/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,602,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,790
−HK$9,707/mo
▼ 0.25% · 3.875%
HK$159,605
−HK$4,892/mo
Today · 4.125%
HK$164,497
baseline
▲ 0.50% · 4.625%
HK$174,506
+HK$10,009/mo
Deposit HK$3.77M · loan HK$33.94M · min. income ≈ HK$328,994/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,203
−HK$9,303/mo
▼ 0.25% · 3.875%
HK$176,821
−HK$4,685/mo
Today · 4.125%
HK$181,506
baseline
▲ 0.50% · 4.625%
HK$191,074
+HK$9,568/mo
Deposit HK$3.77M · loan HK$33.94M · min. income ≈ HK$363,012/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,791 · Scale 2, in force from 26 Feb 2026)