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$86,377
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$89,063
−HK$2,730/mo
Today · 4.125%
HK$91,793
baseline
▲ 0.50% · 4.625%
HK$97,379
+HK$5,586/mo
Deposit HK$18.94M · loan HK$18.94M · min. income ≈ HK$183,586/mo (50% DSR)
Upfront cash ≈ HK$20.55M (deposit + AVD stamp duty HK$1,609,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,093
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$98,670
−HK$2,615/mo
Today · 4.125%
HK$101,285
baseline
▲ 0.50% · 4.625%
HK$106,624
+HK$5,339/mo
Deposit HK$18.94M · loan HK$18.94M · min. income ≈ HK$202,570/mo (50% DSR)
Upfront cash ≈ HK$20.55M (deposit + AVD stamp duty HK$1,609,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,652
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$106,876
−HK$3,276/mo
Today · 4.125%
HK$110,152
baseline
▲ 0.50% · 4.625%
HK$116,854
+HK$6,702/mo
Deposit HK$15.15M · loan HK$22.73M · min. income ≈ HK$220,304/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,609,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,312
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$118,404
−HK$3,138/mo
Today · 4.125%
HK$121,542
baseline
▲ 0.50% · 4.625%
HK$127,948
+HK$6,406/mo
Deposit HK$15.15M · loan HK$22.73M · min. income ≈ HK$243,084/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,609,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,927
−HK$7,584/mo
▼ 0.25% · 3.875%
HK$124,689
−HK$3,822/mo
Today · 4.125%
HK$128,511
baseline
▲ 0.50% · 4.625%
HK$136,330
+HK$7,819/mo
Deposit HK$11.36M · loan HK$26.52M · min. income ≈ HK$257,022/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,609,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,530
−HK$7,269/mo
▼ 0.25% · 3.875%
HK$138,139
−HK$3,660/mo
Today · 4.125%
HK$141,799
baseline
▲ 0.50% · 4.625%
HK$149,273
+HK$7,474/mo
Deposit HK$11.36M · loan HK$26.52M · min. income ≈ HK$283,598/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,609,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,478
−HK$9,750/mo
▼ 0.25% · 3.875%
HK$160,314
−HK$4,914/mo
Today · 4.125%
HK$165,228
baseline
▲ 0.50% · 4.625%
HK$175,282
+HK$10,054/mo
Deposit HK$3.79M · loan HK$34.09M · min. income ≈ HK$330,456/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,609,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,968
−HK$9,345/mo
▼ 0.25% · 3.875%
HK$177,607
−HK$4,706/mo
Today · 4.125%
HK$182,313
baseline
▲ 0.50% · 4.625%
HK$191,923
+HK$9,610/mo
Deposit HK$3.79M · loan HK$34.09M · min. income ≈ HK$364,626/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,609,911 · Scale 2, in force from 26 Feb 2026)