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$86,456
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$89,146
−HK$2,732/mo
Today · 4.125%
HK$91,878
baseline
▲ 0.50% · 4.625%
HK$97,468
+HK$5,590/mo
Deposit HK$18.96M · loan HK$18.96M · min. income ≈ HK$183,756/mo (50% DSR)
Upfront cash ≈ HK$20.57M (deposit + AVD stamp duty HK$1,611,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,182
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$98,761
−HK$2,617/mo
Today · 4.125%
HK$101,378
baseline
▲ 0.50% · 4.625%
HK$106,722
+HK$5,344/mo
Deposit HK$18.96M · loan HK$18.96M · min. income ≈ HK$202,756/mo (50% DSR)
Upfront cash ≈ HK$20.57M (deposit + AVD stamp duty HK$1,611,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,748
−HK$6,506/mo
▼ 0.25% · 3.875%
HK$106,975
−HK$3,279/mo
Today · 4.125%
HK$110,254
baseline
▲ 0.50% · 4.625%
HK$116,962
+HK$6,708/mo
Deposit HK$15.17M · loan HK$22.75M · min. income ≈ HK$220,508/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,611,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,418
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$118,514
−HK$3,140/mo
Today · 4.125%
HK$121,654
baseline
▲ 0.50% · 4.625%
HK$128,066
+HK$6,412/mo
Deposit HK$15.17M · loan HK$22.75M · min. income ≈ HK$243,308/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,611,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,039
−HK$7,590/mo
▼ 0.25% · 3.875%
HK$124,804
−HK$3,825/mo
Today · 4.125%
HK$128,629
baseline
▲ 0.50% · 4.625%
HK$136,456
+HK$7,827/mo
Deposit HK$11.37M · loan HK$26.54M · min. income ≈ HK$257,258/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,611,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,655
−HK$7,275/mo
▼ 0.25% · 3.875%
HK$138,266
−HK$3,664/mo
Today · 4.125%
HK$141,930
baseline
▲ 0.50% · 4.625%
HK$149,411
+HK$7,481/mo
Deposit HK$11.37M · loan HK$26.54M · min. income ≈ HK$283,860/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,611,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,621
−HK$9,759/mo
▼ 0.25% · 3.875%
HK$160,462
−HK$4,918/mo
Today · 4.125%
HK$165,380
baseline
▲ 0.50% · 4.625%
HK$175,443
+HK$10,063/mo
Deposit HK$3.79M · loan HK$34.12M · min. income ≈ HK$330,760/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,611,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,127
−HK$9,354/mo
▼ 0.25% · 3.875%
HK$177,770
−HK$4,711/mo
Today · 4.125%
HK$182,481
baseline
▲ 0.50% · 4.625%
HK$192,100
+HK$9,619/mo
Deposit HK$3.79M · loan HK$34.12M · min. income ≈ HK$364,962/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,611,396 · Scale 2, in force from 26 Feb 2026)