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$85,700
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$88,366
−HK$2,709/mo
Today · 4.125%
HK$91,075
baseline
▲ 0.50% · 4.625%
HK$96,616
+HK$5,541/mo
Deposit HK$18.79M · loan HK$18.79M · min. income ≈ HK$182,150/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,597,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,341
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$97,898
−HK$2,594/mo
Today · 4.125%
HK$100,492
baseline
▲ 0.50% · 4.625%
HK$105,789
+HK$5,297/mo
Deposit HK$18.79M · loan HK$18.79M · min. income ≈ HK$200,984/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,597,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,840
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$106,039
−HK$3,250/mo
Today · 4.125%
HK$109,289
baseline
▲ 0.50% · 4.625%
HK$115,940
+HK$6,651/mo
Deposit HK$15.03M · loan HK$22.55M · min. income ≈ HK$218,578/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,597,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,409
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$117,477
−HK$3,113/mo
Today · 4.125%
HK$120,590
baseline
▲ 0.50% · 4.625%
HK$126,947
+HK$6,357/mo
Deposit HK$15.03M · loan HK$22.55M · min. income ≈ HK$241,180/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,597,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,981
−HK$7,523/mo
▼ 0.25% · 3.875%
HK$123,713
−HK$3,791/mo
Today · 4.125%
HK$127,504
baseline
▲ 0.50% · 4.625%
HK$135,263
+HK$7,759/mo
Deposit HK$11.28M · loan HK$26.31M · min. income ≈ HK$255,008/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,597,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,477
−HK$7,212/mo
▼ 0.25% · 3.875%
HK$137,057
−HK$3,632/mo
Today · 4.125%
HK$140,689
baseline
▲ 0.50% · 4.625%
HK$148,104
+HK$7,415/mo
Deposit HK$11.28M · loan HK$26.31M · min. income ≈ HK$281,378/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,597,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,261
−HK$9,673/mo
▼ 0.25% · 3.875%
HK$159,059
−HK$4,875/mo
Today · 4.125%
HK$163,934
baseline
▲ 0.50% · 4.625%
HK$173,909
+HK$9,975/mo
Deposit HK$3.76M · loan HK$33.83M · min. income ≈ HK$327,868/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,614
−HK$9,271/mo
▼ 0.25% · 3.875%
HK$176,216
−HK$4,669/mo
Today · 4.125%
HK$180,885
baseline
▲ 0.50% · 4.625%
HK$190,420
+HK$9,535/mo
Deposit HK$3.76M · loan HK$33.83M · min. income ≈ HK$361,770/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,307 · Scale 2, in force from 26 Feb 2026)