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$86,231
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$88,913
−HK$2,725/mo
Today · 4.125%
HK$91,638
baseline
▲ 0.50% · 4.625%
HK$97,214
+HK$5,576/mo
Deposit HK$18.91M · loan HK$18.91M · min. income ≈ HK$183,276/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$1,607,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,931
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$98,504
−HK$2,610/mo
Today · 4.125%
HK$101,114
baseline
▲ 0.50% · 4.625%
HK$106,444
+HK$5,330/mo
Deposit HK$18.91M · loan HK$18.91M · min. income ≈ HK$202,228/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$1,607,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,477
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$106,696
−HK$3,270/mo
Today · 4.125%
HK$109,966
baseline
▲ 0.50% · 4.625%
HK$116,657
+HK$6,691/mo
Deposit HK$15.13M · loan HK$22.69M · min. income ≈ HK$219,932/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,607,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,117
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$118,204
−HK$3,132/mo
Today · 4.125%
HK$121,336
baseline
▲ 0.50% · 4.625%
HK$127,732
+HK$6,396/mo
Deposit HK$15.13M · loan HK$22.69M · min. income ≈ HK$242,672/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,607,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,723
−HK$7,570/mo
▼ 0.25% · 3.875%
HK$124,478
−HK$3,815/mo
Today · 4.125%
HK$128,293
baseline
▲ 0.50% · 4.625%
HK$136,100
+HK$7,807/mo
Deposit HK$11.34M · loan HK$26.47M · min. income ≈ HK$256,586/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,607,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,303
−HK$7,256/mo
▼ 0.25% · 3.875%
HK$137,905
−HK$3,654/mo
Today · 4.125%
HK$141,559
baseline
▲ 0.50% · 4.625%
HK$149,021
+HK$7,462/mo
Deposit HK$11.34M · loan HK$26.47M · min. income ≈ HK$283,118/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,607,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,215
−HK$9,734/mo
▼ 0.25% · 3.875%
HK$160,043
−HK$4,906/mo
Today · 4.125%
HK$164,949
baseline
▲ 0.50% · 4.625%
HK$174,985
+HK$10,036/mo
Deposit HK$3.78M · loan HK$34.03M · min. income ≈ HK$329,898/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,607,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,676
−HK$9,329/mo
▼ 0.25% · 3.875%
HK$177,307
−HK$4,698/mo
Today · 4.125%
HK$182,005
baseline
▲ 0.50% · 4.625%
HK$191,598
+HK$9,593/mo
Deposit HK$3.78M · loan HK$34.03M · min. income ≈ HK$364,010/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,607,191 · Scale 2, in force from 26 Feb 2026)