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$85,733
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$88,399
−HK$2,710/mo
Today · 4.125%
HK$91,109
baseline
▲ 0.50% · 4.625%
HK$96,653
+HK$5,544/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$182,218/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,597,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,377
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$97,935
−HK$2,595/mo
Today · 4.125%
HK$100,530
baseline
▲ 0.50% · 4.625%
HK$105,829
+HK$5,299/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$201,060/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,597,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,879
−HK$6,452/mo
▼ 0.25% · 3.875%
HK$106,079
−HK$3,252/mo
Today · 4.125%
HK$109,331
baseline
▲ 0.50% · 4.625%
HK$115,983
+HK$6,652/mo
Deposit HK$15.04M · loan HK$22.56M · min. income ≈ HK$218,662/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,597,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,452
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$117,522
−HK$3,114/mo
Today · 4.125%
HK$120,636
baseline
▲ 0.50% · 4.625%
HK$126,994
+HK$6,358/mo
Deposit HK$15.04M · loan HK$22.56M · min. income ≈ HK$241,272/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,597,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,026
−HK$7,526/mo
▼ 0.25% · 3.875%
HK$123,759
−HK$3,793/mo
Today · 4.125%
HK$127,552
baseline
▲ 0.50% · 4.625%
HK$135,314
+HK$7,762/mo
Deposit HK$11.28M · loan HK$26.32M · min. income ≈ HK$255,104/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,597,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,527
−HK$7,214/mo
▼ 0.25% · 3.875%
HK$137,109
−HK$3,632/mo
Today · 4.125%
HK$140,741
baseline
▲ 0.50% · 4.625%
HK$148,160
+HK$7,419/mo
Deposit HK$11.28M · loan HK$26.32M · min. income ≈ HK$281,482/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,597,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,319
−HK$9,677/mo
▼ 0.25% · 3.875%
HK$159,119
−HK$4,877/mo
Today · 4.125%
HK$163,996
baseline
▲ 0.50% · 4.625%
HK$173,975
+HK$9,979/mo
Deposit HK$3.76M · loan HK$33.84M · min. income ≈ HK$327,992/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,678
−HK$9,275/mo
▼ 0.25% · 3.875%
HK$176,282
−HK$4,671/mo
Today · 4.125%
HK$180,953
baseline
▲ 0.50% · 4.625%
HK$190,492
+HK$9,539/mo
Deposit HK$3.76M · loan HK$33.84M · min. income ≈ HK$361,906/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,907 · Scale 2, in force from 26 Feb 2026)