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$85,838
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$88,508
−HK$2,713/mo
Today · 4.125%
HK$91,221
baseline
▲ 0.50% · 4.625%
HK$96,771
+HK$5,550/mo
Deposit HK$18.82M · loan HK$18.82M · min. income ≈ HK$182,442/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,599,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,494
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,055
−HK$2,598/mo
Today · 4.125%
HK$100,653
baseline
▲ 0.50% · 4.625%
HK$105,958
+HK$5,305/mo
Deposit HK$18.82M · loan HK$18.82M · min. income ≈ HK$201,306/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,599,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,005
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$106,209
−HK$3,256/mo
Today · 4.125%
HK$109,465
baseline
▲ 0.50% · 4.625%
HK$116,125
+HK$6,660/mo
Deposit HK$15.06M · loan HK$22.59M · min. income ≈ HK$218,930/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,599,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,592
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$117,666
−HK$3,117/mo
Today · 4.125%
HK$120,783
baseline
▲ 0.50% · 4.625%
HK$127,150
+HK$6,367/mo
Deposit HK$15.06M · loan HK$22.59M · min. income ≈ HK$241,566/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,599,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,173
−HK$7,536/mo
▼ 0.25% · 3.875%
HK$123,911
−HK$3,798/mo
Today · 4.125%
HK$127,709
baseline
▲ 0.50% · 4.625%
HK$135,480
+HK$7,771/mo
Deposit HK$11.29M · loan HK$26.35M · min. income ≈ HK$255,418/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,599,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,691
−HK$7,223/mo
▼ 0.25% · 3.875%
HK$137,277
−HK$3,637/mo
Today · 4.125%
HK$140,914
baseline
▲ 0.50% · 4.625%
HK$148,342
+HK$7,428/mo
Deposit HK$11.29M · loan HK$26.35M · min. income ≈ HK$281,828/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,599,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,508
−HK$9,689/mo
▼ 0.25% · 3.875%
HK$159,314
−HK$4,883/mo
Today · 4.125%
HK$164,197
baseline
▲ 0.50% · 4.625%
HK$174,188
+HK$9,991/mo
Deposit HK$3.76M · loan HK$33.88M · min. income ≈ HK$328,394/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,599,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,889
−HK$9,286/mo
▼ 0.25% · 3.875%
HK$176,499
−HK$4,676/mo
Today · 4.125%
HK$181,175
baseline
▲ 0.50% · 4.625%
HK$190,725
+HK$9,550/mo
Deposit HK$3.76M · loan HK$33.88M · min. income ≈ HK$362,350/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,599,867 · Scale 2, in force from 26 Feb 2026)