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$86,544
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$89,236
−HK$2,735/mo
Today · 4.125%
HK$91,971
baseline
▲ 0.50% · 4.625%
HK$97,567
+HK$5,596/mo
Deposit HK$18.98M · loan HK$18.98M · min. income ≈ HK$183,942/mo (50% DSR)
Upfront cash ≈ HK$20.59M (deposit + AVD stamp duty HK$1,613,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,279
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$98,861
−HK$2,620/mo
Today · 4.125%
HK$101,481
baseline
▲ 0.50% · 4.625%
HK$106,830
+HK$5,349/mo
Deposit HK$18.98M · loan HK$18.98M · min. income ≈ HK$202,962/mo (50% DSR)
Upfront cash ≈ HK$20.59M (deposit + AVD stamp duty HK$1,613,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,852
−HK$6,513/mo
▼ 0.25% · 3.875%
HK$107,083
−HK$3,282/mo
Today · 4.125%
HK$110,365
baseline
▲ 0.50% · 4.625%
HK$117,080
+HK$6,715/mo
Deposit HK$15.18M · loan HK$22.77M · min. income ≈ HK$220,730/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,613,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,535
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$118,633
−HK$3,144/mo
Today · 4.125%
HK$121,777
baseline
▲ 0.50% · 4.625%
HK$128,196
+HK$6,419/mo
Deposit HK$15.18M · loan HK$22.77M · min. income ≈ HK$243,554/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,613,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,161
−HK$7,598/mo
▼ 0.25% · 3.875%
HK$124,930
−HK$3,829/mo
Today · 4.125%
HK$128,759
baseline
▲ 0.50% · 4.625%
HK$136,594
+HK$7,835/mo
Deposit HK$11.39M · loan HK$26.57M · min. income ≈ HK$257,518/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,613,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,790
−HK$7,283/mo
▼ 0.25% · 3.875%
HK$138,405
−HK$3,668/mo
Today · 4.125%
HK$142,073
baseline
▲ 0.50% · 4.625%
HK$149,562
+HK$7,489/mo
Deposit HK$11.39M · loan HK$26.57M · min. income ≈ HK$284,146/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,613,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,778
−HK$9,769/mo
▼ 0.25% · 3.875%
HK$160,624
−HK$4,923/mo
Today · 4.125%
HK$165,547
baseline
▲ 0.50% · 4.625%
HK$175,620
+HK$10,073/mo
Deposit HK$3.80M · loan HK$34.16M · min. income ≈ HK$331,094/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,613,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,302
−HK$9,363/mo
▼ 0.25% · 3.875%
HK$177,950
−HK$4,715/mo
Today · 4.125%
HK$182,665
baseline
▲ 0.50% · 4.625%
HK$192,293
+HK$9,628/mo
Deposit HK$3.80M · loan HK$34.16M · min. income ≈ HK$365,330/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,613,022 · Scale 2, in force from 26 Feb 2026)