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$86,853
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$89,555
−HK$2,745/mo
Today · 4.125%
HK$92,300
baseline
▲ 0.50% · 4.625%
HK$97,916
+HK$5,616/mo
Deposit HK$19.04M · loan HK$19.04M · min. income ≈ HK$184,600/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,618,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,623
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$99,215
−HK$2,629/mo
Today · 4.125%
HK$101,844
baseline
▲ 0.50% · 4.625%
HK$107,212
+HK$5,368/mo
Deposit HK$19.04M · loan HK$19.04M · min. income ≈ HK$203,688/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,618,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,224
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$107,466
−HK$3,294/mo
Today · 4.125%
HK$110,760
baseline
▲ 0.50% · 4.625%
HK$117,499
+HK$6,739/mo
Deposit HK$15.24M · loan HK$22.85M · min. income ≈ HK$221,520/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,618,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,948
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$119,058
−HK$3,154/mo
Today · 4.125%
HK$122,212
baseline
▲ 0.50% · 4.625%
HK$128,654
+HK$6,442/mo
Deposit HK$15.24M · loan HK$22.85M · min. income ≈ HK$244,424/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,618,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,595
−HK$7,625/mo
▼ 0.25% · 3.875%
HK$125,377
−HK$3,843/mo
Today · 4.125%
HK$129,220
baseline
▲ 0.50% · 4.625%
HK$137,082
+HK$7,862/mo
Deposit HK$11.43M · loan HK$26.66M · min. income ≈ HK$258,440/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,618,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,273
−HK$7,308/mo
▼ 0.25% · 3.875%
HK$138,901
−HK$3,680/mo
Today · 4.125%
HK$142,581
baseline
▲ 0.50% · 4.625%
HK$150,097
+HK$7,516/mo
Deposit HK$11.43M · loan HK$26.66M · min. income ≈ HK$285,162/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,618,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,336
−HK$9,804/mo
▼ 0.25% · 3.875%
HK$161,199
−HK$4,941/mo
Today · 4.125%
HK$166,140
baseline
▲ 0.50% · 4.625%
HK$176,249
+HK$10,109/mo
Deposit HK$3.81M · loan HK$34.28M · min. income ≈ HK$332,280/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,618,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,922
−HK$9,397/mo
▼ 0.25% · 3.875%
HK$178,587
−HK$4,732/mo
Today · 4.125%
HK$183,319
baseline
▲ 0.50% · 4.625%
HK$192,982
+HK$9,663/mo
Deposit HK$3.81M · loan HK$34.28M · min. income ≈ HK$366,638/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,618,794 · Scale 2, in force from 26 Feb 2026)