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$86,678
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$89,374
−HK$2,739/mo
Today · 4.125%
HK$92,113
baseline
▲ 0.50% · 4.625%
HK$97,718
+HK$5,605/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$184,226/mo (50% DSR)
Upfront cash ≈ HK$20.62M (deposit + AVD stamp duty HK$1,615,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,428
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$99,014
−HK$2,624/mo
Today · 4.125%
HK$101,638
baseline
▲ 0.50% · 4.625%
HK$106,995
+HK$5,357/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$203,276/mo (50% DSR)
Upfront cash ≈ HK$20.62M (deposit + AVD stamp duty HK$1,615,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,013
−HK$6,523/mo
▼ 0.25% · 3.875%
HK$107,249
−HK$3,287/mo
Today · 4.125%
HK$110,536
baseline
▲ 0.50% · 4.625%
HK$117,262
+HK$6,726/mo
Deposit HK$15.20M · loan HK$22.81M · min. income ≈ HK$221,072/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,714
−HK$6,251/mo
▼ 0.25% · 3.875%
HK$118,817
−HK$3,148/mo
Today · 4.125%
HK$121,965
baseline
▲ 0.50% · 4.625%
HK$128,394
+HK$6,429/mo
Deposit HK$15.20M · loan HK$22.81M · min. income ≈ HK$243,930/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,349
−HK$7,609/mo
▼ 0.25% · 3.875%
HK$125,123
−HK$3,835/mo
Today · 4.125%
HK$128,958
baseline
▲ 0.50% · 4.625%
HK$136,805
+HK$7,847/mo
Deposit HK$11.40M · loan HK$26.61M · min. income ≈ HK$257,916/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,999
−HK$7,294/mo
▼ 0.25% · 3.875%
HK$138,620
−HK$3,673/mo
Today · 4.125%
HK$142,293
baseline
▲ 0.50% · 4.625%
HK$149,793
+HK$7,500/mo
Deposit HK$11.40M · loan HK$26.61M · min. income ≈ HK$284,586/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,020
−HK$9,784/mo
▼ 0.25% · 3.875%
HK$160,873
−HK$4,931/mo
Today · 4.125%
HK$165,804
baseline
▲ 0.50% · 4.625%
HK$175,893
+HK$10,089/mo
Deposit HK$3.80M · loan HK$34.21M · min. income ≈ HK$331,608/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,571
−HK$9,377/mo
▼ 0.25% · 3.875%
HK$178,226
−HK$4,722/mo
Today · 4.125%
HK$182,948
baseline
▲ 0.50% · 4.625%
HK$192,592
+HK$9,644/mo
Deposit HK$3.80M · loan HK$34.21M · min. income ≈ HK$365,896/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,522 · Scale 2, in force from 26 Feb 2026)