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$85,713
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$88,379
−HK$2,709/mo
Today · 4.125%
HK$91,088
baseline
▲ 0.50% · 4.625%
HK$96,630
+HK$5,542/mo
Deposit HK$18.79M · loan HK$18.79M · min. income ≈ HK$182,176/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,597,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,355
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$97,912
−HK$2,594/mo
Today · 4.125%
HK$100,506
baseline
▲ 0.50% · 4.625%
HK$105,804
+HK$5,298/mo
Deposit HK$18.79M · loan HK$18.79M · min. income ≈ HK$201,012/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,597,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,855
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$106,055
−HK$3,250/mo
Today · 4.125%
HK$109,305
baseline
▲ 0.50% · 4.625%
HK$115,956
+HK$6,651/mo
Deposit HK$15.04M · loan HK$22.55M · min. income ≈ HK$218,610/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,597,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,426
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$117,494
−HK$3,114/mo
Today · 4.125%
HK$120,608
baseline
▲ 0.50% · 4.625%
HK$126,965
+HK$6,357/mo
Deposit HK$15.04M · loan HK$22.55M · min. income ≈ HK$241,216/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,597,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,998
−HK$7,525/mo
▼ 0.25% · 3.875%
HK$123,731
−HK$3,792/mo
Today · 4.125%
HK$127,523
baseline
▲ 0.50% · 4.625%
HK$135,282
+HK$7,759/mo
Deposit HK$11.28M · loan HK$26.31M · min. income ≈ HK$255,046/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,597,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,496
−HK$7,213/mo
▼ 0.25% · 3.875%
HK$137,077
−HK$3,632/mo
Today · 4.125%
HK$140,709
baseline
▲ 0.50% · 4.625%
HK$148,126
+HK$7,417/mo
Deposit HK$11.28M · loan HK$26.31M · min. income ≈ HK$281,418/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,597,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,283
−HK$9,675/mo
▼ 0.25% · 3.875%
HK$159,082
−HK$4,876/mo
Today · 4.125%
HK$163,958
baseline
▲ 0.50% · 4.625%
HK$173,934
+HK$9,976/mo
Deposit HK$3.76M · loan HK$33.83M · min. income ≈ HK$327,916/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,638
−HK$9,273/mo
▼ 0.25% · 3.875%
HK$176,242
−HK$4,669/mo
Today · 4.125%
HK$180,911
baseline
▲ 0.50% · 4.625%
HK$190,447
+HK$9,536/mo
Deposit HK$3.76M · loan HK$33.83M · min. income ≈ HK$361,822/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,537 · Scale 2, in force from 26 Feb 2026)