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$87,055
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$89,763
−HK$2,752/mo
Today · 4.125%
HK$92,515
baseline
▲ 0.50% · 4.625%
HK$98,144
+HK$5,629/mo
Deposit HK$19.09M · loan HK$19.09M · min. income ≈ HK$185,030/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,622,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,848
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$99,446
−HK$2,635/mo
Today · 4.125%
HK$102,081
baseline
▲ 0.50% · 4.625%
HK$107,462
+HK$5,381/mo
Deposit HK$19.09M · loan HK$19.09M · min. income ≈ HK$204,162/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,622,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,467
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$107,716
−HK$3,302/mo
Today · 4.125%
HK$111,018
baseline
▲ 0.50% · 4.625%
HK$117,773
+HK$6,755/mo
Deposit HK$15.27M · loan HK$22.91M · min. income ≈ HK$222,036/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,622,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,218
−HK$6,279/mo
▼ 0.25% · 3.875%
HK$119,335
−HK$3,162/mo
Today · 4.125%
HK$122,497
baseline
▲ 0.50% · 4.625%
HK$128,954
+HK$6,457/mo
Deposit HK$15.27M · loan HK$22.91M · min. income ≈ HK$244,994/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,622,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,878
−HK$7,642/mo
▼ 0.25% · 3.875%
HK$125,669
−HK$3,851/mo
Today · 4.125%
HK$129,520
baseline
▲ 0.50% · 4.625%
HK$137,401
+HK$7,881/mo
Deposit HK$11.45M · loan HK$26.72M · min. income ≈ HK$259,040/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,622,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,588
−HK$7,325/mo
▼ 0.25% · 3.875%
HK$139,224
−HK$3,689/mo
Today · 4.125%
HK$142,913
baseline
▲ 0.50% · 4.625%
HK$150,446
+HK$7,533/mo
Deposit HK$11.45M · loan HK$26.72M · min. income ≈ HK$285,826/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,622,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,700
−HK$9,826/mo
▼ 0.25% · 3.875%
HK$161,574
−HK$4,952/mo
Today · 4.125%
HK$166,526
baseline
▲ 0.50% · 4.625%
HK$176,659
+HK$10,133/mo
Deposit HK$3.82M · loan HK$34.36M · min. income ≈ HK$333,052/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,622,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,327
−HK$9,418/mo
▼ 0.25% · 3.875%
HK$179,002
−HK$4,743/mo
Today · 4.125%
HK$183,745
baseline
▲ 0.50% · 4.625%
HK$193,431
+HK$9,686/mo
Deposit HK$3.82M · loan HK$34.36M · min. income ≈ HK$367,490/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,622,563 · Scale 2, in force from 26 Feb 2026)