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$86,113
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$88,792
−HK$2,721/mo
Today · 4.125%
HK$91,513
baseline
▲ 0.50% · 4.625%
HK$97,082
+HK$5,569/mo
Deposit HK$18.88M · loan HK$18.88M · min. income ≈ HK$183,026/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$1,605,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,800
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$98,370
−HK$2,606/mo
Today · 4.125%
HK$100,976
baseline
▲ 0.50% · 4.625%
HK$106,299
+HK$5,323/mo
Deposit HK$18.88M · loan HK$18.88M · min. income ≈ HK$201,952/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$1,605,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,336
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$106,550
−HK$3,266/mo
Today · 4.125%
HK$109,816
baseline
▲ 0.50% · 4.625%
HK$116,498
+HK$6,682/mo
Deposit HK$15.11M · loan HK$22.66M · min. income ≈ HK$219,632/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,605,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,960
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$118,044
−HK$3,127/mo
Today · 4.125%
HK$121,171
baseline
▲ 0.50% · 4.625%
HK$127,558
+HK$6,387/mo
Deposit HK$15.11M · loan HK$22.66M · min. income ≈ HK$242,342/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,605,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,559
−HK$7,560/mo
▼ 0.25% · 3.875%
HK$124,309
−HK$3,810/mo
Today · 4.125%
HK$128,119
baseline
▲ 0.50% · 4.625%
HK$135,915
+HK$7,796/mo
Deposit HK$11.33M · loan HK$26.44M · min. income ≈ HK$256,238/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,605,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,120
−HK$7,247/mo
▼ 0.25% · 3.875%
HK$137,717
−HK$3,650/mo
Today · 4.125%
HK$141,367
baseline
▲ 0.50% · 4.625%
HK$148,818
+HK$7,451/mo
Deposit HK$11.33M · loan HK$26.44M · min. income ≈ HK$282,734/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,605,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,004
−HK$9,720/mo
▼ 0.25% · 3.875%
HK$159,826
−HK$4,898/mo
Today · 4.125%
HK$164,724
baseline
▲ 0.50% · 4.625%
HK$174,747
+HK$10,023/mo
Deposit HK$3.78M · loan HK$33.99M · min. income ≈ HK$329,448/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,605,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,441
−HK$9,316/mo
▼ 0.25% · 3.875%
HK$177,065
−HK$4,692/mo
Today · 4.125%
HK$181,757
baseline
▲ 0.50% · 4.625%
HK$191,338
+HK$9,581/mo
Deposit HK$3.78M · loan HK$33.99M · min. income ≈ HK$363,514/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,605,004 · Scale 2, in force from 26 Feb 2026)