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$86,765
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$89,464
−HK$2,742/mo
Today · 4.125%
HK$92,206
baseline
▲ 0.50% · 4.625%
HK$97,816
+HK$5,610/mo
Deposit HK$19.03M · loan HK$19.03M · min. income ≈ HK$184,412/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$1,617,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,525
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$99,114
−HK$2,626/mo
Today · 4.125%
HK$101,740
baseline
▲ 0.50% · 4.625%
HK$107,103
+HK$5,363/mo
Deposit HK$19.03M · loan HK$19.03M · min. income ≈ HK$203,480/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$1,617,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,118
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$107,356
−HK$3,291/mo
Today · 4.125%
HK$110,647
baseline
▲ 0.50% · 4.625%
HK$117,379
+HK$6,732/mo
Deposit HK$15.22M · loan HK$22.83M · min. income ≈ HK$221,294/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,617,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,830
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$118,936
−HK$3,152/mo
Today · 4.125%
HK$122,088
baseline
▲ 0.50% · 4.625%
HK$128,523
+HK$6,435/mo
Deposit HK$15.22M · loan HK$22.83M · min. income ≈ HK$244,176/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,617,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,471
−HK$7,617/mo
▼ 0.25% · 3.875%
HK$125,249
−HK$3,839/mo
Today · 4.125%
HK$129,088
baseline
▲ 0.50% · 4.625%
HK$136,942
+HK$7,854/mo
Deposit HK$11.42M · loan HK$26.64M · min. income ≈ HK$258,176/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,617,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,135
−HK$7,301/mo
▼ 0.25% · 3.875%
HK$138,759
−HK$3,677/mo
Today · 4.125%
HK$142,436
baseline
▲ 0.50% · 4.625%
HK$149,944
+HK$7,508/mo
Deposit HK$11.42M · loan HK$26.64M · min. income ≈ HK$284,872/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,617,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,176
−HK$9,794/mo
▼ 0.25% · 3.875%
HK$161,034
−HK$4,936/mo
Today · 4.125%
HK$165,970
baseline
▲ 0.50% · 4.625%
HK$176,069
+HK$10,099/mo
Deposit HK$3.81M · loan HK$34.25M · min. income ≈ HK$331,940/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,617,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,745
−HK$9,387/mo
▼ 0.25% · 3.875%
HK$178,404
−HK$4,728/mo
Today · 4.125%
HK$183,132
baseline
▲ 0.50% · 4.625%
HK$192,785
+HK$9,653/mo
Deposit HK$3.81M · loan HK$34.25M · min. income ≈ HK$366,264/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,617,142 · Scale 2, in force from 26 Feb 2026)