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$86,055
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$88,731
−HK$2,720/mo
Today · 4.125%
HK$91,451
baseline
▲ 0.50% · 4.625%
HK$97,016
+HK$5,565/mo
Deposit HK$18.87M · loan HK$18.87M · min. income ≈ HK$182,902/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,603,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,735
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$98,302
−HK$2,605/mo
Today · 4.125%
HK$100,907
baseline
▲ 0.50% · 4.625%
HK$106,226
+HK$5,319/mo
Deposit HK$18.87M · loan HK$18.87M · min. income ≈ HK$201,814/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,603,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,265
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$106,478
−HK$3,263/mo
Today · 4.125%
HK$109,741
baseline
▲ 0.50% · 4.625%
HK$116,419
+HK$6,678/mo
Deposit HK$15.10M · loan HK$22.64M · min. income ≈ HK$219,482/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,603,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,882
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$117,963
−HK$3,126/mo
Today · 4.125%
HK$121,089
baseline
▲ 0.50% · 4.625%
HK$127,471
+HK$6,382/mo
Deposit HK$15.10M · loan HK$22.64M · min. income ≈ HK$242,178/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,603,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,476
−HK$7,555/mo
▼ 0.25% · 3.875%
HK$124,224
−HK$3,807/mo
Today · 4.125%
HK$128,031
baseline
▲ 0.50% · 4.625%
HK$135,822
+HK$7,791/mo
Deposit HK$11.32M · loan HK$26.42M · min. income ≈ HK$256,062/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,603,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,029
−HK$7,241/mo
▼ 0.25% · 3.875%
HK$137,623
−HK$3,647/mo
Today · 4.125%
HK$141,270
baseline
▲ 0.50% · 4.625%
HK$148,716
+HK$7,446/mo
Deposit HK$11.32M · loan HK$26.42M · min. income ≈ HK$282,540/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,603,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,898
−HK$9,714/mo
▼ 0.25% · 3.875%
HK$159,716
−HK$4,896/mo
Today · 4.125%
HK$164,612
baseline
▲ 0.50% · 4.625%
HK$174,628
+HK$10,016/mo
Deposit HK$3.77M · loan HK$33.97M · min. income ≈ HK$329,224/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,603,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,323
−HK$9,310/mo
▼ 0.25% · 3.875%
HK$176,944
−HK$4,689/mo
Today · 4.125%
HK$181,633
baseline
▲ 0.50% · 4.625%
HK$191,207
+HK$9,574/mo
Deposit HK$3.77M · loan HK$33.97M · min. income ≈ HK$363,266/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,603,907 · Scale 2, in force from 26 Feb 2026)