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$85,954
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$88,628
−HK$2,716/mo
Today · 4.125%
HK$91,344
baseline
▲ 0.50% · 4.625%
HK$96,902
+HK$5,558/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$182,688/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,602,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,623
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$98,188
−HK$2,601/mo
Today · 4.125%
HK$100,789
baseline
▲ 0.50% · 4.625%
HK$106,102
+HK$5,313/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$201,578/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,602,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,145
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$106,353
−HK$3,260/mo
Today · 4.125%
HK$109,613
baseline
▲ 0.50% · 4.625%
HK$116,283
+HK$6,670/mo
Deposit HK$15.08M · loan HK$22.62M · min. income ≈ HK$219,226/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,602,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,748
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$117,825
−HK$3,122/mo
Today · 4.125%
HK$120,947
baseline
▲ 0.50% · 4.625%
HK$127,322
+HK$6,375/mo
Deposit HK$15.08M · loan HK$22.62M · min. income ≈ HK$241,894/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,602,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,336
−HK$7,546/mo
▼ 0.25% · 3.875%
HK$124,079
−HK$3,803/mo
Today · 4.125%
HK$127,882
baseline
▲ 0.50% · 4.625%
HK$135,663
+HK$7,781/mo
Deposit HK$11.31M · loan HK$26.39M · min. income ≈ HK$255,764/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,602,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,872
−HK$7,233/mo
▼ 0.25% · 3.875%
HK$137,463
−HK$3,642/mo
Today · 4.125%
HK$141,105
baseline
▲ 0.50% · 4.625%
HK$148,543
+HK$7,438/mo
Deposit HK$11.31M · loan HK$26.39M · min. income ≈ HK$282,210/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,602,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,717
−HK$9,702/mo
▼ 0.25% · 3.875%
HK$159,530
−HK$4,889/mo
Today · 4.125%
HK$164,419
baseline
▲ 0.50% · 4.625%
HK$174,424
+HK$10,005/mo
Deposit HK$3.77M · loan HK$33.93M · min. income ≈ HK$328,838/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,121
−HK$9,300/mo
▼ 0.25% · 3.875%
HK$176,738
−HK$4,683/mo
Today · 4.125%
HK$181,421
baseline
▲ 0.50% · 4.625%
HK$190,984
+HK$9,563/mo
Deposit HK$3.77M · loan HK$33.93M · min. income ≈ HK$362,842/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,034 · Scale 2, in force from 26 Feb 2026)