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$87,998
−HK$5,518/mo
▼ 0.25% · 3.875%
HK$90,735
−HK$2,781/mo
Today · 4.125%
HK$93,516
baseline
▲ 0.50% · 4.625%
HK$99,206
+HK$5,690/mo
Deposit HK$19.30M · loan HK$19.30M · min. income ≈ HK$187,032/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$1,640,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,897
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$100,522
−HK$2,664/mo
Today · 4.125%
HK$103,186
baseline
▲ 0.50% · 4.625%
HK$108,625
+HK$5,439/mo
Deposit HK$19.30M · loan HK$19.30M · min. income ≈ HK$206,372/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$1,640,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,598
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$108,882
−HK$3,337/mo
Today · 4.125%
HK$112,219
baseline
▲ 0.50% · 4.625%
HK$119,048
+HK$6,829/mo
Deposit HK$15.44M · loan HK$23.15M · min. income ≈ HK$224,438/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,640,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,476
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$120,627
−HK$3,196/mo
Today · 4.125%
HK$123,823
baseline
▲ 0.50% · 4.625%
HK$130,350
+HK$6,527/mo
Deposit HK$15.44M · loan HK$23.15M · min. income ≈ HK$247,646/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,640,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,197
−HK$7,726/mo
▼ 0.25% · 3.875%
HK$127,029
−HK$3,894/mo
Today · 4.125%
HK$130,923
baseline
▲ 0.50% · 4.625%
HK$138,889
+HK$7,966/mo
Deposit HK$11.58M · loan HK$27.01M · min. income ≈ HK$261,846/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,640,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,056
−HK$7,404/mo
▼ 0.25% · 3.875%
HK$140,731
−HK$3,729/mo
Today · 4.125%
HK$144,460
baseline
▲ 0.50% · 4.625%
HK$152,075
+HK$7,615/mo
Deposit HK$11.58M · loan HK$27.01M · min. income ≈ HK$288,920/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,640,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,396
−HK$9,933/mo
▼ 0.25% · 3.875%
HK$163,323
−HK$5,006/mo
Today · 4.125%
HK$168,329
baseline
▲ 0.50% · 4.625%
HK$178,572
+HK$10,243/mo
Deposit HK$3.86M · loan HK$34.73M · min. income ≈ HK$336,658/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,640,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,214
−HK$9,521/mo
▼ 0.25% · 3.875%
HK$180,940
−HK$4,795/mo
Today · 4.125%
HK$185,735
baseline
▲ 0.50% · 4.625%
HK$195,525
+HK$9,790/mo
Deposit HK$3.86M · loan HK$34.73M · min. income ≈ HK$371,470/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,640,128 · Scale 2, in force from 26 Feb 2026)