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$86,850
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$89,551
−HK$2,745/mo
Today · 4.125%
HK$92,296
baseline
▲ 0.50% · 4.625%
HK$97,912
+HK$5,616/mo
Deposit HK$19.04M · loan HK$19.04M · min. income ≈ HK$184,592/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,618,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,619
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$99,211
−HK$2,628/mo
Today · 4.125%
HK$101,839
baseline
▲ 0.50% · 4.625%
HK$107,207
+HK$5,368/mo
Deposit HK$19.04M · loan HK$19.04M · min. income ≈ HK$203,678/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,618,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,219
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$107,461
−HK$3,294/mo
Today · 4.125%
HK$110,755
baseline
▲ 0.50% · 4.625%
HK$117,494
+HK$6,739/mo
Deposit HK$15.24M · loan HK$22.85M · min. income ≈ HK$221,510/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,618,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,943
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$119,053
−HK$3,154/mo
Today · 4.125%
HK$122,207
baseline
▲ 0.50% · 4.625%
HK$128,649
+HK$6,442/mo
Deposit HK$15.24M · loan HK$22.85M · min. income ≈ HK$244,414/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,618,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,589
−HK$7,625/mo
▼ 0.25% · 3.875%
HK$125,372
−HK$3,842/mo
Today · 4.125%
HK$129,214
baseline
▲ 0.50% · 4.625%
HK$137,076
+HK$7,862/mo
Deposit HK$11.43M · loan HK$26.66M · min. income ≈ HK$258,428/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,618,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,267
−HK$7,308/mo
▼ 0.25% · 3.875%
HK$138,895
−HK$3,680/mo
Today · 4.125%
HK$142,575
baseline
▲ 0.50% · 4.625%
HK$150,090
+HK$7,515/mo
Deposit HK$11.43M · loan HK$26.66M · min. income ≈ HK$285,150/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,618,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,329
−HK$9,803/mo
▼ 0.25% · 3.875%
HK$161,192
−HK$4,940/mo
Today · 4.125%
HK$166,132
baseline
▲ 0.50% · 4.625%
HK$176,241
+HK$10,109/mo
Deposit HK$3.81M · loan HK$34.28M · min. income ≈ HK$332,264/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,618,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,915
−HK$9,396/mo
▼ 0.25% · 3.875%
HK$178,579
−HK$4,732/mo
Today · 4.125%
HK$183,311
baseline
▲ 0.50% · 4.625%
HK$192,973
+HK$9,662/mo
Deposit HK$3.81M · loan HK$34.28M · min. income ≈ HK$366,622/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,618,725 · Scale 2, in force from 26 Feb 2026)