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$86,362
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$89,048
−HK$2,730/mo
Today · 4.125%
HK$91,778
baseline
▲ 0.50% · 4.625%
HK$97,362
+HK$5,584/mo
Deposit HK$18.94M · loan HK$18.94M · min. income ≈ HK$183,556/mo (50% DSR)
Upfront cash ≈ HK$20.55M (deposit + AVD stamp duty HK$1,609,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,077
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$98,653
−HK$2,614/mo
Today · 4.125%
HK$101,267
baseline
▲ 0.50% · 4.625%
HK$106,605
+HK$5,338/mo
Deposit HK$18.94M · loan HK$18.94M · min. income ≈ HK$202,534/mo (50% DSR)
Upfront cash ≈ HK$20.55M (deposit + AVD stamp duty HK$1,609,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,634
−HK$6,499/mo
▼ 0.25% · 3.875%
HK$106,858
−HK$3,275/mo
Today · 4.125%
HK$110,133
baseline
▲ 0.50% · 4.625%
HK$116,834
+HK$6,701/mo
Deposit HK$15.15M · loan HK$22.72M · min. income ≈ HK$220,266/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,609,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,292
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$118,384
−HK$3,137/mo
Today · 4.125%
HK$121,521
baseline
▲ 0.50% · 4.625%
HK$127,927
+HK$6,406/mo
Deposit HK$15.15M · loan HK$22.72M · min. income ≈ HK$243,042/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,609,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,907
−HK$7,582/mo
▼ 0.25% · 3.875%
HK$124,668
−HK$3,821/mo
Today · 4.125%
HK$128,489
baseline
▲ 0.50% · 4.625%
HK$136,307
+HK$7,818/mo
Deposit HK$11.36M · loan HK$26.51M · min. income ≈ HK$256,978/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,609,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,507
−HK$7,267/mo
▼ 0.25% · 3.875%
HK$138,115
−HK$3,659/mo
Today · 4.125%
HK$141,774
baseline
▲ 0.50% · 4.625%
HK$149,248
+HK$7,474/mo
Deposit HK$11.36M · loan HK$26.51M · min. income ≈ HK$283,548/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,609,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,451
−HK$9,749/mo
▼ 0.25% · 3.875%
HK$160,287
−HK$4,913/mo
Today · 4.125%
HK$165,200
baseline
▲ 0.50% · 4.625%
HK$175,252
+HK$10,052/mo
Deposit HK$3.79M · loan HK$34.09M · min. income ≈ HK$330,400/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,609,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,938
−HK$9,343/mo
▼ 0.25% · 3.875%
HK$177,576
−HK$4,705/mo
Today · 4.125%
HK$182,281
baseline
▲ 0.50% · 4.625%
HK$191,890
+HK$9,609/mo
Deposit HK$3.79M · loan HK$34.09M · min. income ≈ HK$364,562/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,609,636 · Scale 2, in force from 26 Feb 2026)