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$85,948
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$88,622
−HK$2,716/mo
Today · 4.125%
HK$91,338
baseline
▲ 0.50% · 4.625%
HK$96,896
+HK$5,558/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$182,676/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,601,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,617
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$98,181
−HK$2,602/mo
Today · 4.125%
HK$100,783
baseline
▲ 0.50% · 4.625%
HK$106,095
+HK$5,312/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$201,566/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,601,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,138
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$106,346
−HK$3,260/mo
Today · 4.125%
HK$109,606
baseline
▲ 0.50% · 4.625%
HK$116,275
+HK$6,669/mo
Deposit HK$15.08M · loan HK$22.62M · min. income ≈ HK$219,212/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,601,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,740
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$117,817
−HK$3,122/mo
Today · 4.125%
HK$120,939
baseline
▲ 0.50% · 4.625%
HK$127,314
+HK$6,375/mo
Deposit HK$15.08M · loan HK$22.62M · min. income ≈ HK$241,878/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,601,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,328
−HK$7,545/mo
▼ 0.25% · 3.875%
HK$124,071
−HK$3,802/mo
Today · 4.125%
HK$127,873
baseline
▲ 0.50% · 4.625%
HK$135,654
+HK$7,781/mo
Deposit HK$11.31M · loan HK$26.38M · min. income ≈ HK$255,746/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,601,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,863
−HK$7,233/mo
▼ 0.25% · 3.875%
HK$137,454
−HK$3,642/mo
Today · 4.125%
HK$141,096
baseline
▲ 0.50% · 4.625%
HK$148,533
+HK$7,437/mo
Deposit HK$11.31M · loan HK$26.38M · min. income ≈ HK$282,192/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,601,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,707
−HK$9,702/mo
▼ 0.25% · 3.875%
HK$159,519
−HK$4,890/mo
Today · 4.125%
HK$164,409
baseline
▲ 0.50% · 4.625%
HK$174,413
+HK$10,004/mo
Deposit HK$3.77M · loan HK$33.92M · min. income ≈ HK$328,818/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,110
−HK$9,299/mo
▼ 0.25% · 3.875%
HK$176,726
−HK$4,683/mo
Today · 4.125%
HK$181,409
baseline
▲ 0.50% · 4.625%
HK$190,971
+HK$9,562/mo
Deposit HK$3.77M · loan HK$33.92M · min. income ≈ HK$362,818/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,929 · Scale 2, in force from 26 Feb 2026)