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$86,406
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$89,094
−HK$2,731/mo
Today · 4.125%
HK$91,825
baseline
▲ 0.50% · 4.625%
HK$97,412
+HK$5,587/mo
Deposit HK$18.95M · loan HK$18.95M · min. income ≈ HK$183,650/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$1,610,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,126
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$98,704
−HK$2,616/mo
Today · 4.125%
HK$101,320
baseline
▲ 0.50% · 4.625%
HK$106,660
+HK$5,340/mo
Deposit HK$18.95M · loan HK$18.95M · min. income ≈ HK$202,640/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$1,610,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,688
−HK$6,502/mo
▼ 0.25% · 3.875%
HK$106,913
−HK$3,277/mo
Today · 4.125%
HK$110,190
baseline
▲ 0.50% · 4.625%
HK$116,895
+HK$6,705/mo
Deposit HK$15.16M · loan HK$22.74M · min. income ≈ HK$220,380/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,610,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,351
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$118,445
−HK$3,139/mo
Today · 4.125%
HK$121,584
baseline
▲ 0.50% · 4.625%
HK$127,992
+HK$6,408/mo
Deposit HK$15.16M · loan HK$22.74M · min. income ≈ HK$243,168/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,610,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,969
−HK$7,586/mo
▼ 0.25% · 3.875%
HK$124,732
−HK$3,823/mo
Today · 4.125%
HK$128,555
baseline
▲ 0.50% · 4.625%
HK$136,377
+HK$7,822/mo
Deposit HK$11.37M · loan HK$26.53M · min. income ≈ HK$257,110/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,610,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,577
−HK$7,270/mo
▼ 0.25% · 3.875%
HK$138,186
−HK$3,661/mo
Today · 4.125%
HK$141,847
baseline
▲ 0.50% · 4.625%
HK$149,324
+HK$7,477/mo
Deposit HK$11.37M · loan HK$26.53M · min. income ≈ HK$283,694/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,610,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,531
−HK$9,754/mo
▼ 0.25% · 3.875%
HK$160,369
−HK$4,916/mo
Today · 4.125%
HK$165,285
baseline
▲ 0.50% · 4.625%
HK$175,342
+HK$10,057/mo
Deposit HK$3.79M · loan HK$34.10M · min. income ≈ HK$330,570/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,610,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,027
−HK$9,348/mo
▼ 0.25% · 3.875%
HK$177,668
−HK$4,707/mo
Today · 4.125%
HK$182,375
baseline
▲ 0.50% · 4.625%
HK$191,989
+HK$9,614/mo
Deposit HK$3.79M · loan HK$34.10M · min. income ≈ HK$364,750/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,610,464 · Scale 2, in force from 26 Feb 2026)