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$85,879
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$88,550
−HK$2,714/mo
Today · 4.125%
HK$91,264
baseline
▲ 0.50% · 4.625%
HK$96,817
+HK$5,553/mo
Deposit HK$18.83M · loan HK$18.83M · min. income ≈ HK$182,528/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,600,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,539
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$98,101
−HK$2,600/mo
Today · 4.125%
HK$100,701
baseline
▲ 0.50% · 4.625%
HK$106,009
+HK$5,308/mo
Deposit HK$18.83M · loan HK$18.83M · min. income ≈ HK$201,402/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,600,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,054
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$106,260
−HK$3,257/mo
Today · 4.125%
HK$109,517
baseline
▲ 0.50% · 4.625%
HK$116,181
+HK$6,664/mo
Deposit HK$15.06M · loan HK$22.60M · min. income ≈ HK$219,034/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,600,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,647
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$117,722
−HK$3,119/mo
Today · 4.125%
HK$120,841
baseline
▲ 0.50% · 4.625%
HK$127,211
+HK$6,370/mo
Deposit HK$15.06M · loan HK$22.60M · min. income ≈ HK$241,682/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,600,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,230
−HK$7,539/mo
▼ 0.25% · 3.875%
HK$123,970
−HK$3,799/mo
Today · 4.125%
HK$127,769
baseline
▲ 0.50% · 4.625%
HK$135,544
+HK$7,775/mo
Deposit HK$11.30M · loan HK$26.36M · min. income ≈ HK$255,538/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,600,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,755
−HK$7,226/mo
▼ 0.25% · 3.875%
HK$137,342
−HK$3,639/mo
Today · 4.125%
HK$140,981
baseline
▲ 0.50% · 4.625%
HK$148,412
+HK$7,431/mo
Deposit HK$11.30M · loan HK$26.36M · min. income ≈ HK$281,962/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,600,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,581
−HK$9,694/mo
▼ 0.25% · 3.875%
HK$159,390
−HK$4,885/mo
Today · 4.125%
HK$164,275
baseline
▲ 0.50% · 4.625%
HK$174,271
+HK$9,996/mo
Deposit HK$3.77M · loan HK$33.90M · min. income ≈ HK$328,550/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,600,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,970
−HK$9,291/mo
▼ 0.25% · 3.875%
HK$176,582
−HK$4,679/mo
Today · 4.125%
HK$181,261
baseline
▲ 0.50% · 4.625%
HK$190,816
+HK$9,555/mo
Deposit HK$3.77M · loan HK$33.90M · min. income ≈ HK$362,522/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,600,627 · Scale 2, in force from 26 Feb 2026)