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$86,090
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$88,768
−HK$2,721/mo
Today · 4.125%
HK$91,489
baseline
▲ 0.50% · 4.625%
HK$97,056
+HK$5,567/mo
Deposit HK$18.88M · loan HK$18.88M · min. income ≈ HK$182,978/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,604,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,775
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$98,343
−HK$2,606/mo
Today · 4.125%
HK$100,949
baseline
▲ 0.50% · 4.625%
HK$106,270
+HK$5,321/mo
Deposit HK$18.88M · loan HK$18.88M · min. income ≈ HK$201,898/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,604,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,309
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$106,522
−HK$3,265/mo
Today · 4.125%
HK$109,787
baseline
▲ 0.50% · 4.625%
HK$116,467
+HK$6,680/mo
Deposit HK$15.10M · loan HK$22.65M · min. income ≈ HK$219,574/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,604,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,930
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$118,012
−HK$3,127/mo
Today · 4.125%
HK$121,139
baseline
▲ 0.50% · 4.625%
HK$127,524
+HK$6,385/mo
Deposit HK$15.10M · loan HK$22.65M · min. income ≈ HK$242,278/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,604,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,527
−HK$7,558/mo
▼ 0.25% · 3.875%
HK$124,276
−HK$3,809/mo
Today · 4.125%
HK$128,085
baseline
▲ 0.50% · 4.625%
HK$135,878
+HK$7,793/mo
Deposit HK$11.33M · loan HK$26.43M · min. income ≈ HK$256,170/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,085
−HK$7,244/mo
▼ 0.25% · 3.875%
HK$137,681
−HK$3,648/mo
Today · 4.125%
HK$141,329
baseline
▲ 0.50% · 4.625%
HK$148,779
+HK$7,450/mo
Deposit HK$11.33M · loan HK$26.43M · min. income ≈ HK$282,658/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,963
−HK$9,717/mo
▼ 0.25% · 3.875%
HK$159,783
−HK$4,897/mo
Today · 4.125%
HK$164,680
baseline
▲ 0.50% · 4.625%
HK$174,701
+HK$10,021/mo
Deposit HK$3.78M · loan HK$33.98M · min. income ≈ HK$329,360/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,395
−HK$9,314/mo
▼ 0.25% · 3.875%
HK$177,018
−HK$4,691/mo
Today · 4.125%
HK$181,709
baseline
▲ 0.50% · 4.625%
HK$191,287
+HK$9,578/mo
Deposit HK$3.78M · loan HK$33.98M · min. income ≈ HK$363,418/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,577 · Scale 2, in force from 26 Feb 2026)