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$86,707
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$89,404
−HK$2,741/mo
Today · 4.125%
HK$92,145
baseline
▲ 0.50% · 4.625%
HK$97,751
+HK$5,606/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$184,290/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,616,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,461
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$99,048
−HK$2,624/mo
Today · 4.125%
HK$101,672
baseline
▲ 0.50% · 4.625%
HK$107,032
+HK$5,360/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$203,344/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,616,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,049
−HK$6,524/mo
▼ 0.25% · 3.875%
HK$107,285
−HK$3,288/mo
Today · 4.125%
HK$110,573
baseline
▲ 0.50% · 4.625%
HK$117,302
+HK$6,729/mo
Deposit HK$15.21M · loan HK$22.82M · min. income ≈ HK$221,146/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,616,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,753
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$118,858
−HK$3,149/mo
Today · 4.125%
HK$122,007
baseline
▲ 0.50% · 4.625%
HK$128,438
+HK$6,431/mo
Deposit HK$15.21M · loan HK$22.82M · min. income ≈ HK$244,014/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,616,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,390
−HK$7,612/mo
▼ 0.25% · 3.875%
HK$125,166
−HK$3,836/mo
Today · 4.125%
HK$129,002
baseline
▲ 0.50% · 4.625%
HK$136,852
+HK$7,850/mo
Deposit HK$11.41M · loan HK$26.62M · min. income ≈ HK$258,004/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,616,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,045
−HK$7,296/mo
▼ 0.25% · 3.875%
HK$138,667
−HK$3,674/mo
Today · 4.125%
HK$142,341
baseline
▲ 0.50% · 4.625%
HK$149,844
+HK$7,503/mo
Deposit HK$11.41M · loan HK$26.62M · min. income ≈ HK$284,682/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,616,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,073
−HK$9,787/mo
▼ 0.25% · 3.875%
HK$160,928
−HK$4,932/mo
Today · 4.125%
HK$165,860
baseline
▲ 0.50% · 4.625%
HK$175,952
+HK$10,092/mo
Deposit HK$3.80M · loan HK$34.22M · min. income ≈ HK$331,720/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,616,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,630
−HK$9,380/mo
▼ 0.25% · 3.875%
HK$178,286
−HK$4,724/mo
Today · 4.125%
HK$183,010
baseline
▲ 0.50% · 4.625%
HK$192,657
+HK$9,647/mo
Deposit HK$3.80M · loan HK$34.22M · min. income ≈ HK$366,020/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,616,072 · Scale 2, in force from 26 Feb 2026)