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$87,733
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$90,462
−HK$2,773/mo
Today · 4.125%
HK$93,235
baseline
▲ 0.50% · 4.625%
HK$98,908
+HK$5,673/mo
Deposit HK$19.24M · loan HK$19.24M · min. income ≈ HK$186,470/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,635,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,602
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$100,220
−HK$2,655/mo
Today · 4.125%
HK$102,875
baseline
▲ 0.50% · 4.625%
HK$108,298
+HK$5,423/mo
Deposit HK$19.24M · loan HK$19.24M · min. income ≈ HK$205,750/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,635,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,280
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$108,554
−HK$3,328/mo
Today · 4.125%
HK$111,882
baseline
▲ 0.50% · 4.625%
HK$118,689
+HK$6,807/mo
Deposit HK$15.39M · loan HK$23.09M · min. income ≈ HK$223,764/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,635,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,123
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$120,264
−HK$3,186/mo
Today · 4.125%
HK$123,450
baseline
▲ 0.50% · 4.625%
HK$129,958
+HK$6,508/mo
Deposit HK$15.39M · loan HK$23.09M · min. income ≈ HK$246,900/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,635,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,826
−HK$7,703/mo
▼ 0.25% · 3.875%
HK$126,647
−HK$3,882/mo
Today · 4.125%
HK$130,529
baseline
▲ 0.50% · 4.625%
HK$138,471
+HK$7,942/mo
Deposit HK$11.54M · loan HK$26.93M · min. income ≈ HK$261,058/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,635,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,643
−HK$7,382/mo
▼ 0.25% · 3.875%
HK$140,308
−HK$3,717/mo
Today · 4.125%
HK$144,025
baseline
▲ 0.50% · 4.625%
HK$151,617
+HK$7,592/mo
Deposit HK$11.54M · loan HK$26.93M · min. income ≈ HK$288,050/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,635,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,920
−HK$9,902/mo
▼ 0.25% · 3.875%
HK$162,832
−HK$4,990/mo
Today · 4.125%
HK$167,822
baseline
▲ 0.50% · 4.625%
HK$178,034
+HK$10,212/mo
Deposit HK$3.85M · loan HK$34.63M · min. income ≈ HK$335,644/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,635,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,684
−HK$9,492/mo
▼ 0.25% · 3.875%
HK$180,396
−HK$4,780/mo
Today · 4.125%
HK$185,176
baseline
▲ 0.50% · 4.625%
HK$194,936
+HK$9,760/mo
Deposit HK$3.85M · loan HK$34.63M · min. income ≈ HK$370,352/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,635,192 · Scale 2, in force from 26 Feb 2026)