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$86,549
−HK$5,428/mo
▼ 0.25% · 3.875%
HK$89,241
−HK$2,736/mo
Today · 4.125%
HK$91,977
baseline
▲ 0.50% · 4.625%
HK$97,573
+HK$5,596/mo
Deposit HK$18.98M · loan HK$18.98M · min. income ≈ HK$183,954/mo (50% DSR)
Upfront cash ≈ HK$20.59M (deposit + AVD stamp duty HK$1,613,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,285
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$98,867
−HK$2,620/mo
Today · 4.125%
HK$101,487
baseline
▲ 0.50% · 4.625%
HK$106,837
+HK$5,350/mo
Deposit HK$18.98M · loan HK$18.98M · min. income ≈ HK$202,974/mo (50% DSR)
Upfront cash ≈ HK$20.59M (deposit + AVD stamp duty HK$1,613,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,859
−HK$6,513/mo
▼ 0.25% · 3.875%
HK$107,090
−HK$3,282/mo
Today · 4.125%
HK$110,372
baseline
▲ 0.50% · 4.625%
HK$117,088
+HK$6,716/mo
Deposit HK$15.18M · loan HK$22.77M · min. income ≈ HK$220,744/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,613,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,542
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$118,641
−HK$3,143/mo
Today · 4.125%
HK$121,784
baseline
▲ 0.50% · 4.625%
HK$128,204
+HK$6,420/mo
Deposit HK$15.18M · loan HK$22.77M · min. income ≈ HK$243,568/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,613,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,169
−HK$7,598/mo
▼ 0.25% · 3.875%
HK$124,938
−HK$3,829/mo
Today · 4.125%
HK$128,767
baseline
▲ 0.50% · 4.625%
HK$136,602
+HK$7,835/mo
Deposit HK$11.39M · loan HK$26.57M · min. income ≈ HK$257,534/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,613,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,799
−HK$7,283/mo
▼ 0.25% · 3.875%
HK$138,414
−HK$3,668/mo
Today · 4.125%
HK$142,082
baseline
▲ 0.50% · 4.625%
HK$149,571
+HK$7,489/mo
Deposit HK$11.39M · loan HK$26.57M · min. income ≈ HK$284,164/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,613,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,788
−HK$9,770/mo
▼ 0.25% · 3.875%
HK$160,634
−HK$4,924/mo
Today · 4.125%
HK$165,558
baseline
▲ 0.50% · 4.625%
HK$175,632
+HK$10,074/mo
Deposit HK$3.80M · loan HK$34.16M · min. income ≈ HK$331,116/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,613,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,313
−HK$9,364/mo
▼ 0.25% · 3.875%
HK$177,961
−HK$4,716/mo
Today · 4.125%
HK$182,677
baseline
▲ 0.50% · 4.625%
HK$192,306
+HK$9,629/mo
Deposit HK$3.80M · loan HK$34.16M · min. income ≈ HK$365,354/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,613,126 · Scale 2, in force from 26 Feb 2026)