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$85,635
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$88,299
−HK$2,706/mo
Today · 4.125%
HK$91,005
baseline
▲ 0.50% · 4.625%
HK$96,543
+HK$5,538/mo
Deposit HK$18.78M · loan HK$18.78M · min. income ≈ HK$182,010/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,596,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,268
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$97,823
−HK$2,592/mo
Today · 4.125%
HK$100,415
baseline
▲ 0.50% · 4.625%
HK$105,708
+HK$5,293/mo
Deposit HK$18.78M · loan HK$18.78M · min. income ≈ HK$200,830/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,596,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,762
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$105,959
−HK$3,247/mo
Today · 4.125%
HK$109,206
baseline
▲ 0.50% · 4.625%
HK$115,851
+HK$6,645/mo
Deposit HK$15.02M · loan HK$22.53M · min. income ≈ HK$218,412/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,596,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,322
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$117,388
−HK$3,110/mo
Today · 4.125%
HK$120,498
baseline
▲ 0.50% · 4.625%
HK$126,850
+HK$6,352/mo
Deposit HK$15.02M · loan HK$22.53M · min. income ≈ HK$240,996/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,596,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,889
−HK$7,518/mo
▼ 0.25% · 3.875%
HK$123,618
−HK$3,789/mo
Today · 4.125%
HK$127,407
baseline
▲ 0.50% · 4.625%
HK$135,160
+HK$7,753/mo
Deposit HK$11.27M · loan HK$26.29M · min. income ≈ HK$254,814/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,596,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,375
−HK$7,206/mo
▼ 0.25% · 3.875%
HK$136,952
−HK$3,629/mo
Today · 4.125%
HK$140,581
baseline
▲ 0.50% · 4.625%
HK$147,991
+HK$7,410/mo
Deposit HK$11.27M · loan HK$26.29M · min. income ≈ HK$281,162/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,596,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,143
−HK$9,666/mo
▼ 0.25% · 3.875%
HK$158,938
−HK$4,871/mo
Today · 4.125%
HK$163,809
baseline
▲ 0.50% · 4.625%
HK$173,777
+HK$9,968/mo
Deposit HK$3.76M · loan HK$33.80M · min. income ≈ HK$327,618/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,596,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,483
−HK$9,264/mo
▼ 0.25% · 3.875%
HK$176,082
−HK$4,665/mo
Today · 4.125%
HK$180,747
baseline
▲ 0.50% · 4.625%
HK$190,275
+HK$9,528/mo
Deposit HK$3.76M · loan HK$33.80M · min. income ≈ HK$361,494/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,596,088 · Scale 2, in force from 26 Feb 2026)