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$85,638
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$88,302
−HK$2,706/mo
Today · 4.125%
HK$91,008
baseline
▲ 0.50% · 4.625%
HK$96,546
+HK$5,538/mo
Deposit HK$18.78M · loan HK$18.78M · min. income ≈ HK$182,016/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,596,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,272
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$97,827
−HK$2,592/mo
Today · 4.125%
HK$100,419
baseline
▲ 0.50% · 4.625%
HK$105,712
+HK$5,293/mo
Deposit HK$18.78M · loan HK$18.78M · min. income ≈ HK$200,838/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,596,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,766
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$105,962
−HK$3,248/mo
Today · 4.125%
HK$109,210
baseline
▲ 0.50% · 4.625%
HK$115,855
+HK$6,645/mo
Deposit HK$15.02M · loan HK$22.53M · min. income ≈ HK$218,420/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,596,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,326
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$117,392
−HK$3,111/mo
Today · 4.125%
HK$120,503
baseline
▲ 0.50% · 4.625%
HK$126,855
+HK$6,352/mo
Deposit HK$15.02M · loan HK$22.53M · min. income ≈ HK$241,006/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,596,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,894
−HK$7,518/mo
▼ 0.25% · 3.875%
HK$123,623
−HK$3,789/mo
Today · 4.125%
HK$127,412
baseline
▲ 0.50% · 4.625%
HK$135,165
+HK$7,753/mo
Deposit HK$11.27M · loan HK$26.29M · min. income ≈ HK$254,824/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,596,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,380
−HK$7,206/mo
▼ 0.25% · 3.875%
HK$136,958
−HK$3,628/mo
Today · 4.125%
HK$140,586
baseline
▲ 0.50% · 4.625%
HK$147,997
+HK$7,411/mo
Deposit HK$11.27M · loan HK$26.29M · min. income ≈ HK$281,172/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,596,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,149
−HK$9,666/mo
▼ 0.25% · 3.875%
HK$158,944
−HK$4,871/mo
Today · 4.125%
HK$163,815
baseline
▲ 0.50% · 4.625%
HK$173,783
+HK$9,968/mo
Deposit HK$3.76M · loan HK$33.80M · min. income ≈ HK$327,630/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,596,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,489
−HK$9,265/mo
▼ 0.25% · 3.875%
HK$176,088
−HK$4,666/mo
Today · 4.125%
HK$180,754
baseline
▲ 0.50% · 4.625%
HK$190,282
+HK$9,528/mo
Deposit HK$3.76M · loan HK$33.80M · min. income ≈ HK$361,508/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,596,147 · Scale 2, in force from 26 Feb 2026)