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$86,322
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$89,007
−HK$2,728/mo
Today · 4.125%
HK$91,735
baseline
▲ 0.50% · 4.625%
HK$97,317
+HK$5,582/mo
Deposit HK$18.93M · loan HK$18.93M · min. income ≈ HK$183,470/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$1,608,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,032
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$98,608
−HK$2,612/mo
Today · 4.125%
HK$101,220
baseline
▲ 0.50% · 4.625%
HK$106,556
+HK$5,336/mo
Deposit HK$18.93M · loan HK$18.93M · min. income ≈ HK$202,440/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$1,608,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,586
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$106,808
−HK$3,274/mo
Today · 4.125%
HK$110,082
baseline
▲ 0.50% · 4.625%
HK$116,780
+HK$6,698/mo
Deposit HK$15.14M · loan HK$22.71M · min. income ≈ HK$220,164/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,608,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,238
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$118,329
−HK$3,135/mo
Today · 4.125%
HK$121,464
baseline
▲ 0.50% · 4.625%
HK$127,867
+HK$6,403/mo
Deposit HK$15.14M · loan HK$22.71M · min. income ≈ HK$242,928/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,608,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,850
−HK$7,579/mo
▼ 0.25% · 3.875%
HK$124,609
−HK$3,820/mo
Today · 4.125%
HK$128,429
baseline
▲ 0.50% · 4.625%
HK$136,243
+HK$7,814/mo
Deposit HK$11.36M · loan HK$26.50M · min. income ≈ HK$256,858/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,608,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,445
−HK$7,263/mo
▼ 0.25% · 3.875%
HK$138,051
−HK$3,657/mo
Today · 4.125%
HK$141,708
baseline
▲ 0.50% · 4.625%
HK$149,178
+HK$7,470/mo
Deposit HK$11.36M · loan HK$26.50M · min. income ≈ HK$283,416/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,608,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,379
−HK$9,744/mo
▼ 0.25% · 3.875%
HK$160,212
−HK$4,911/mo
Today · 4.125%
HK$165,123
baseline
▲ 0.50% · 4.625%
HK$175,170
+HK$10,047/mo
Deposit HK$3.79M · loan HK$34.07M · min. income ≈ HK$330,246/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,608,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,858
−HK$9,339/mo
▼ 0.25% · 3.875%
HK$177,494
−HK$4,703/mo
Today · 4.125%
HK$182,197
baseline
▲ 0.50% · 4.625%
HK$191,800
+HK$9,603/mo
Deposit HK$3.79M · loan HK$34.07M · min. income ≈ HK$364,394/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,608,885 · Scale 2, in force from 26 Feb 2026)