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$85,755
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$88,422
−HK$2,710/mo
Today · 4.125%
HK$91,132
baseline
▲ 0.50% · 4.625%
HK$96,678
+HK$5,546/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$182,264/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,598,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,401
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$97,960
−HK$2,596/mo
Today · 4.125%
HK$100,556
baseline
▲ 0.50% · 4.625%
HK$105,856
+HK$5,300/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$201,112/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,598,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,906
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$106,107
−HK$3,252/mo
Today · 4.125%
HK$109,359
baseline
▲ 0.50% · 4.625%
HK$116,013
+HK$6,654/mo
Deposit HK$15.04M · loan HK$22.56M · min. income ≈ HK$218,718/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,598,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,482
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$117,552
−HK$3,115/mo
Today · 4.125%
HK$120,667
baseline
▲ 0.50% · 4.625%
HK$127,027
+HK$6,360/mo
Deposit HK$15.04M · loan HK$22.56M · min. income ≈ HK$241,334/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,598,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,057
−HK$7,528/mo
▼ 0.25% · 3.875%
HK$123,791
−HK$3,794/mo
Today · 4.125%
HK$127,585
baseline
▲ 0.50% · 4.625%
HK$135,349
+HK$7,764/mo
Deposit HK$11.28M · loan HK$26.33M · min. income ≈ HK$255,170/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,598,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,562
−HK$7,216/mo
▼ 0.25% · 3.875%
HK$137,144
−HK$3,634/mo
Today · 4.125%
HK$140,778
baseline
▲ 0.50% · 4.625%
HK$148,199
+HK$7,421/mo
Deposit HK$11.28M · loan HK$26.33M · min. income ≈ HK$281,556/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,598,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,359
−HK$9,679/mo
▼ 0.25% · 3.875%
HK$159,160
−HK$4,878/mo
Today · 4.125%
HK$164,038
baseline
▲ 0.50% · 4.625%
HK$174,020
+HK$9,982/mo
Deposit HK$3.76M · loan HK$33.85M · min. income ≈ HK$328,076/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,598,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,723
−HK$9,277/mo
▼ 0.25% · 3.875%
HK$176,328
−HK$4,672/mo
Today · 4.125%
HK$181,000
baseline
▲ 0.50% · 4.625%
HK$190,541
+HK$9,541/mo
Deposit HK$3.76M · loan HK$33.85M · min. income ≈ HK$362,000/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,598,322 · Scale 2, in force from 26 Feb 2026)