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$87,101
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$89,811
−HK$2,753/mo
Today · 4.125%
HK$92,564
baseline
▲ 0.50% · 4.625%
HK$98,196
+HK$5,632/mo
Deposit HK$19.10M · loan HK$19.10M · min. income ≈ HK$185,128/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$1,623,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,900
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$99,498
−HK$2,637/mo
Today · 4.125%
HK$102,135
baseline
▲ 0.50% · 4.625%
HK$107,518
+HK$5,383/mo
Deposit HK$19.10M · loan HK$19.10M · min. income ≈ HK$204,270/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$1,623,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,522
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$107,773
−HK$3,303/mo
Today · 4.125%
HK$111,076
baseline
▲ 0.50% · 4.625%
HK$117,835
+HK$6,759/mo
Deposit HK$15.28M · loan HK$22.92M · min. income ≈ HK$222,152/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,623,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,279
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$119,398
−HK$3,164/mo
Today · 4.125%
HK$122,562
baseline
▲ 0.50% · 4.625%
HK$129,022
+HK$6,460/mo
Deposit HK$15.28M · loan HK$22.92M · min. income ≈ HK$245,124/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,623,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,942
−HK$7,647/mo
▼ 0.25% · 3.875%
HK$125,735
−HK$3,854/mo
Today · 4.125%
HK$129,589
baseline
▲ 0.50% · 4.625%
HK$137,474
+HK$7,885/mo
Deposit HK$11.46M · loan HK$26.74M · min. income ≈ HK$259,178/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,623,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,659
−HK$7,330/mo
▼ 0.25% · 3.875%
HK$139,298
−HK$3,691/mo
Today · 4.125%
HK$142,989
baseline
▲ 0.50% · 4.625%
HK$150,526
+HK$7,537/mo
Deposit HK$11.46M · loan HK$26.74M · min. income ≈ HK$285,978/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,623,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,783
−HK$9,831/mo
▼ 0.25% · 3.875%
HK$161,659
−HK$4,955/mo
Today · 4.125%
HK$166,614
baseline
▲ 0.50% · 4.625%
HK$176,752
+HK$10,138/mo
Deposit HK$3.82M · loan HK$34.38M · min. income ≈ HK$333,228/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,623,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,419
−HK$9,423/mo
▼ 0.25% · 3.875%
HK$179,097
−HK$4,745/mo
Today · 4.125%
HK$183,842
baseline
▲ 0.50% · 4.625%
HK$193,533
+HK$9,691/mo
Deposit HK$3.82M · loan HK$34.38M · min. income ≈ HK$367,684/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,623,420 · Scale 2, in force from 26 Feb 2026)