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$85,769
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$88,437
−HK$2,710/mo
Today · 4.125%
HK$91,147
baseline
▲ 0.50% · 4.625%
HK$96,694
+HK$5,547/mo
Deposit HK$18.81M · loan HK$18.81M · min. income ≈ HK$182,294/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,598,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,417
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$97,976
−HK$2,596/mo
Today · 4.125%
HK$100,572
baseline
▲ 0.50% · 4.625%
HK$105,873
+HK$5,301/mo
Deposit HK$18.81M · loan HK$18.81M · min. income ≈ HK$201,144/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,598,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,923
−HK$6,454/mo
▼ 0.25% · 3.875%
HK$106,124
−HK$3,253/mo
Today · 4.125%
HK$109,377
baseline
▲ 0.50% · 4.625%
HK$116,032
+HK$6,655/mo
Deposit HK$15.05M · loan HK$22.57M · min. income ≈ HK$218,754/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,598,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,500
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$117,571
−HK$3,116/mo
Today · 4.125%
HK$120,687
baseline
▲ 0.50% · 4.625%
HK$127,048
+HK$6,361/mo
Deposit HK$15.05M · loan HK$22.57M · min. income ≈ HK$241,374/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,598,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,077
−HK$7,529/mo
▼ 0.25% · 3.875%
HK$123,812
−HK$3,794/mo
Today · 4.125%
HK$127,606
baseline
▲ 0.50% · 4.625%
HK$135,371
+HK$7,765/mo
Deposit HK$11.28M · loan HK$26.33M · min. income ≈ HK$255,212/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,598,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,584
−HK$7,217/mo
▼ 0.25% · 3.875%
HK$137,167
−HK$3,634/mo
Today · 4.125%
HK$140,801
baseline
▲ 0.50% · 4.625%
HK$148,223
+HK$7,422/mo
Deposit HK$11.28M · loan HK$26.33M · min. income ≈ HK$281,602/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,598,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,384
−HK$9,681/mo
▼ 0.25% · 3.875%
HK$159,186
−HK$4,879/mo
Today · 4.125%
HK$164,065
baseline
▲ 0.50% · 4.625%
HK$174,048
+HK$9,983/mo
Deposit HK$3.76M · loan HK$33.85M · min. income ≈ HK$328,130/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,598,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,751
−HK$9,279/mo
▼ 0.25% · 3.875%
HK$176,357
−HK$4,673/mo
Today · 4.125%
HK$181,030
baseline
▲ 0.50% · 4.625%
HK$190,572
+HK$9,542/mo
Deposit HK$3.76M · loan HK$33.85M · min. income ≈ HK$362,060/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,598,584 · Scale 2, in force from 26 Feb 2026)