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$87,732
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$90,461
−HK$2,772/mo
Today · 4.125%
HK$93,233
baseline
▲ 0.50% · 4.625%
HK$98,906
+HK$5,673/mo
Deposit HK$19.24M · loan HK$19.24M · min. income ≈ HK$186,466/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,635,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,601
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$100,218
−HK$2,656/mo
Today · 4.125%
HK$102,874
baseline
▲ 0.50% · 4.625%
HK$108,296
+HK$5,422/mo
Deposit HK$19.24M · loan HK$19.24M · min. income ≈ HK$205,748/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,635,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,278
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$108,553
−HK$3,327/mo
Today · 4.125%
HK$111,880
baseline
▲ 0.50% · 4.625%
HK$118,687
+HK$6,807/mo
Deposit HK$15.39M · loan HK$23.08M · min. income ≈ HK$223,760/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,635,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,121
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$120,262
−HK$3,186/mo
Today · 4.125%
HK$123,448
baseline
▲ 0.50% · 4.625%
HK$129,956
+HK$6,508/mo
Deposit HK$15.39M · loan HK$23.08M · min. income ≈ HK$246,896/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,635,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,824
−HK$7,702/mo
▼ 0.25% · 3.875%
HK$126,645
−HK$3,881/mo
Today · 4.125%
HK$130,526
baseline
▲ 0.50% · 4.625%
HK$138,469
+HK$7,943/mo
Deposit HK$11.54M · loan HK$26.93M · min. income ≈ HK$261,052/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,635,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,641
−HK$7,382/mo
▼ 0.25% · 3.875%
HK$140,305
−HK$3,718/mo
Today · 4.125%
HK$144,023
baseline
▲ 0.50% · 4.625%
HK$151,615
+HK$7,592/mo
Deposit HK$11.54M · loan HK$26.93M · min. income ≈ HK$288,046/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,635,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,917
−HK$9,903/mo
▼ 0.25% · 3.875%
HK$162,829
−HK$4,991/mo
Today · 4.125%
HK$167,820
baseline
▲ 0.50% · 4.625%
HK$178,031
+HK$10,211/mo
Deposit HK$3.85M · loan HK$34.63M · min. income ≈ HK$335,640/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,635,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,681
−HK$9,492/mo
▼ 0.25% · 3.875%
HK$180,393
−HK$4,780/mo
Today · 4.125%
HK$185,173
baseline
▲ 0.50% · 4.625%
HK$194,933
+HK$9,760/mo
Deposit HK$3.85M · loan HK$34.63M · min. income ≈ HK$370,346/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,635,166 · Scale 2, in force from 26 Feb 2026)