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$87,293
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$90,008
−HK$2,759/mo
Today · 4.125%
HK$92,767
baseline
▲ 0.50% · 4.625%
HK$98,412
+HK$5,645/mo
Deposit HK$19.14M · loan HK$19.14M · min. income ≈ HK$185,534/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,626,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,112
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$99,717
−HK$2,642/mo
Today · 4.125%
HK$102,359
baseline
▲ 0.50% · 4.625%
HK$107,755
+HK$5,396/mo
Deposit HK$19.14M · loan HK$19.14M · min. income ≈ HK$204,718/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,626,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,751
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$108,010
−HK$3,310/mo
Today · 4.125%
HK$111,320
baseline
▲ 0.50% · 4.625%
HK$118,094
+HK$6,774/mo
Deposit HK$15.31M · loan HK$22.97M · min. income ≈ HK$222,640/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,626,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,535
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$119,660
−HK$3,171/mo
Today · 4.125%
HK$122,831
baseline
▲ 0.50% · 4.625%
HK$129,306
+HK$6,475/mo
Deposit HK$15.31M · loan HK$22.97M · min. income ≈ HK$245,662/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,626,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,210
−HK$7,664/mo
▼ 0.25% · 3.875%
HK$126,011
−HK$3,863/mo
Today · 4.125%
HK$129,874
baseline
▲ 0.50% · 4.625%
HK$137,776
+HK$7,902/mo
Deposit HK$11.48M · loan HK$26.80M · min. income ≈ HK$259,748/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,626,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,957
−HK$7,346/mo
▼ 0.25% · 3.875%
HK$139,604
−HK$3,699/mo
Today · 4.125%
HK$143,303
baseline
▲ 0.50% · 4.625%
HK$150,856
+HK$7,553/mo
Deposit HK$11.48M · loan HK$26.80M · min. income ≈ HK$286,606/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,626,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,127
−HK$9,853/mo
▼ 0.25% · 3.875%
HK$162,015
−HK$4,965/mo
Today · 4.125%
HK$166,980
baseline
▲ 0.50% · 4.625%
HK$177,141
+HK$10,161/mo
Deposit HK$3.83M · loan HK$34.45M · min. income ≈ HK$333,960/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,626,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,802
−HK$9,444/mo
▼ 0.25% · 3.875%
HK$179,491
−HK$4,755/mo
Today · 4.125%
HK$184,246
baseline
▲ 0.50% · 4.625%
HK$193,958
+HK$9,712/mo
Deposit HK$3.83M · loan HK$34.45M · min. income ≈ HK$368,492/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,626,987 · Scale 2, in force from 26 Feb 2026)