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$86,935
−HK$5,451/mo
▼ 0.25% · 3.875%
HK$89,639
−HK$2,747/mo
Today · 4.125%
HK$92,386
baseline
▲ 0.50% · 4.625%
HK$98,008
+HK$5,622/mo
Deposit HK$19.06M · loan HK$19.06M · min. income ≈ HK$184,772/mo (50% DSR)
Upfront cash ≈ HK$20.68M (deposit + AVD stamp duty HK$1,620,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,714
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$99,308
−HK$2,631/mo
Today · 4.125%
HK$101,939
baseline
▲ 0.50% · 4.625%
HK$107,312
+HK$5,373/mo
Deposit HK$19.06M · loan HK$19.06M · min. income ≈ HK$203,878/mo (50% DSR)
Upfront cash ≈ HK$20.68M (deposit + AVD stamp duty HK$1,620,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,322
−HK$6,541/mo
▼ 0.25% · 3.875%
HK$107,567
−HK$3,296/mo
Today · 4.125%
HK$110,863
baseline
▲ 0.50% · 4.625%
HK$117,609
+HK$6,746/mo
Deposit HK$15.25M · loan HK$22.87M · min. income ≈ HK$221,726/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,620,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,057
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$119,169
−HK$3,158/mo
Today · 4.125%
HK$122,327
baseline
▲ 0.50% · 4.625%
HK$128,775
+HK$6,448/mo
Deposit HK$15.25M · loan HK$22.87M · min. income ≈ HK$244,654/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,620,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,708
−HK$7,633/mo
▼ 0.25% · 3.875%
HK$125,494
−HK$3,847/mo
Today · 4.125%
HK$129,341
baseline
▲ 0.50% · 4.625%
HK$137,211
+HK$7,870/mo
Deposit HK$11.44M · loan HK$26.69M · min. income ≈ HK$258,682/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,620,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,399
−HK$7,316/mo
▼ 0.25% · 3.875%
HK$139,031
−HK$3,684/mo
Today · 4.125%
HK$142,715
baseline
▲ 0.50% · 4.625%
HK$150,237
+HK$7,522/mo
Deposit HK$11.44M · loan HK$26.69M · min. income ≈ HK$285,430/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,620,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,482
−HK$9,813/mo
▼ 0.25% · 3.875%
HK$161,350
−HK$4,945/mo
Today · 4.125%
HK$166,295
baseline
▲ 0.50% · 4.625%
HK$176,414
+HK$10,119/mo
Deposit HK$3.81M · loan HK$34.31M · min. income ≈ HK$332,590/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,620,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,085
−HK$9,405/mo
▼ 0.25% · 3.875%
HK$178,754
−HK$4,736/mo
Today · 4.125%
HK$183,490
baseline
▲ 0.50% · 4.625%
HK$193,162
+HK$9,672/mo
Deposit HK$3.81M · loan HK$34.31M · min. income ≈ HK$366,980/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,620,310 · Scale 2, in force from 26 Feb 2026)