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$86,378
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$89,065
−HK$2,729/mo
Today · 4.125%
HK$91,794
baseline
▲ 0.50% · 4.625%
HK$97,380
+HK$5,586/mo
Deposit HK$18.94M · loan HK$18.94M · min. income ≈ HK$183,588/mo (50% DSR)
Upfront cash ≈ HK$20.55M (deposit + AVD stamp duty HK$1,609,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,094
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$98,672
−HK$2,614/mo
Today · 4.125%
HK$101,286
baseline
▲ 0.50% · 4.625%
HK$106,625
+HK$5,339/mo
Deposit HK$18.94M · loan HK$18.94M · min. income ≈ HK$202,572/mo (50% DSR)
Upfront cash ≈ HK$20.55M (deposit + AVD stamp duty HK$1,609,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,653
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$106,878
−HK$3,275/mo
Today · 4.125%
HK$110,153
baseline
▲ 0.50% · 4.625%
HK$116,856
+HK$6,703/mo
Deposit HK$15.15M · loan HK$22.73M · min. income ≈ HK$220,306/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,609,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,313
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$118,406
−HK$3,137/mo
Today · 4.125%
HK$121,543
baseline
▲ 0.50% · 4.625%
HK$127,950
+HK$6,407/mo
Deposit HK$15.15M · loan HK$22.73M · min. income ≈ HK$243,086/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,609,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,929
−HK$7,583/mo
▼ 0.25% · 3.875%
HK$124,691
−HK$3,821/mo
Today · 4.125%
HK$128,512
baseline
▲ 0.50% · 4.625%
HK$136,332
+HK$7,820/mo
Deposit HK$11.36M · loan HK$26.52M · min. income ≈ HK$257,024/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,609,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,532
−HK$7,269/mo
▼ 0.25% · 3.875%
HK$138,140
−HK$3,661/mo
Today · 4.125%
HK$141,801
baseline
▲ 0.50% · 4.625%
HK$149,275
+HK$7,474/mo
Deposit HK$11.36M · loan HK$26.52M · min. income ≈ HK$283,602/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,609,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,480
−HK$9,750/mo
▼ 0.25% · 3.875%
HK$160,316
−HK$4,914/mo
Today · 4.125%
HK$165,230
baseline
▲ 0.50% · 4.625%
HK$175,284
+HK$10,054/mo
Deposit HK$3.79M · loan HK$34.09M · min. income ≈ HK$330,460/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,609,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,970
−HK$9,345/mo
▼ 0.25% · 3.875%
HK$177,609
−HK$4,706/mo
Today · 4.125%
HK$182,315
baseline
▲ 0.50% · 4.625%
HK$191,925
+HK$9,610/mo
Deposit HK$3.79M · loan HK$34.09M · min. income ≈ HK$364,630/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,609,932 · Scale 2, in force from 26 Feb 2026)