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$85,830
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$88,500
−HK$2,712/mo
Today · 4.125%
HK$91,212
baseline
▲ 0.50% · 4.625%
HK$96,762
+HK$5,550/mo
Deposit HK$18.82M · loan HK$18.82M · min. income ≈ HK$182,424/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,599,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,485
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,046
−HK$2,598/mo
Today · 4.125%
HK$100,644
baseline
▲ 0.50% · 4.625%
HK$105,949
+HK$5,305/mo
Deposit HK$18.82M · loan HK$18.82M · min. income ≈ HK$201,288/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,599,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,996
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$106,200
−HK$3,255/mo
Today · 4.125%
HK$109,455
baseline
▲ 0.50% · 4.625%
HK$116,115
+HK$6,660/mo
Deposit HK$15.06M · loan HK$22.58M · min. income ≈ HK$218,910/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,599,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,582
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$117,655
−HK$3,117/mo
Today · 4.125%
HK$120,772
baseline
▲ 0.50% · 4.625%
HK$127,138
+HK$6,366/mo
Deposit HK$15.06M · loan HK$22.58M · min. income ≈ HK$241,544/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,599,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,162
−HK$7,535/mo
▼ 0.25% · 3.875%
HK$123,900
−HK$3,797/mo
Today · 4.125%
HK$127,697
baseline
▲ 0.50% · 4.625%
HK$135,467
+HK$7,770/mo
Deposit HK$11.29M · loan HK$26.35M · min. income ≈ HK$255,394/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,599,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,679
−HK$7,222/mo
▼ 0.25% · 3.875%
HK$137,264
−HK$3,637/mo
Today · 4.125%
HK$140,901
baseline
▲ 0.50% · 4.625%
HK$148,328
+HK$7,427/mo
Deposit HK$11.29M · loan HK$26.35M · min. income ≈ HK$281,802/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,599,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,494
−HK$9,688/mo
▼ 0.25% · 3.875%
HK$159,299
−HK$4,883/mo
Today · 4.125%
HK$164,182
baseline
▲ 0.50% · 4.625%
HK$174,172
+HK$9,990/mo
Deposit HK$3.76M · loan HK$33.88M · min. income ≈ HK$328,364/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,599,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,873
−HK$9,286/mo
▼ 0.25% · 3.875%
HK$176,482
−HK$4,677/mo
Today · 4.125%
HK$181,159
baseline
▲ 0.50% · 4.625%
HK$190,708
+HK$9,549/mo
Deposit HK$3.76M · loan HK$33.88M · min. income ≈ HK$362,318/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,599,720 · Scale 2, in force from 26 Feb 2026)