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$86,949
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$89,654
−HK$2,748/mo
Today · 4.125%
HK$92,402
baseline
▲ 0.50% · 4.625%
HK$98,024
+HK$5,622/mo
Deposit HK$19.07M · loan HK$19.07M · min. income ≈ HK$184,804/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$1,620,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,730
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$99,324
−HK$2,632/mo
Today · 4.125%
HK$101,956
baseline
▲ 0.50% · 4.625%
HK$107,330
+HK$5,374/mo
Deposit HK$19.07M · loan HK$19.07M · min. income ≈ HK$203,912/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$1,620,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,339
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$107,585
−HK$3,297/mo
Today · 4.125%
HK$110,882
baseline
▲ 0.50% · 4.625%
HK$117,629
+HK$6,747/mo
Deposit HK$15.25M · loan HK$22.88M · min. income ≈ HK$221,764/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,620,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,076
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$119,189
−HK$3,158/mo
Today · 4.125%
HK$122,347
baseline
▲ 0.50% · 4.625%
HK$128,797
+HK$6,450/mo
Deposit HK$15.25M · loan HK$22.88M · min. income ≈ HK$244,694/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,620,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,729
−HK$7,633/mo
▼ 0.25% · 3.875%
HK$125,515
−HK$3,847/mo
Today · 4.125%
HK$129,362
baseline
▲ 0.50% · 4.625%
HK$137,234
+HK$7,872/mo
Deposit HK$11.44M · loan HK$26.69M · min. income ≈ HK$258,724/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,620,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,422
−HK$7,317/mo
▼ 0.25% · 3.875%
HK$139,054
−HK$3,685/mo
Today · 4.125%
HK$142,739
baseline
▲ 0.50% · 4.625%
HK$150,263
+HK$7,524/mo
Deposit HK$11.44M · loan HK$26.69M · min. income ≈ HK$285,478/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,620,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,509
−HK$9,814/mo
▼ 0.25% · 3.875%
HK$161,377
−HK$4,946/mo
Today · 4.125%
HK$166,323
baseline
▲ 0.50% · 4.625%
HK$176,443
+HK$10,120/mo
Deposit HK$3.81M · loan HK$34.32M · min. income ≈ HK$332,646/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,620,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,114
−HK$9,407/mo
▼ 0.25% · 3.875%
HK$178,784
−HK$4,737/mo
Today · 4.125%
HK$183,521
baseline
▲ 0.50% · 4.625%
HK$193,195
+HK$9,674/mo
Deposit HK$3.81M · loan HK$34.32M · min. income ≈ HK$367,042/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,620,583 · Scale 2, in force from 26 Feb 2026)