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$86,891
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$89,594
−HK$2,746/mo
Today · 4.125%
HK$92,340
baseline
▲ 0.50% · 4.625%
HK$97,959
+HK$5,619/mo
Deposit HK$19.05M · loan HK$19.05M · min. income ≈ HK$184,680/mo (50% DSR)
Upfront cash ≈ HK$20.67M (deposit + AVD stamp duty HK$1,619,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,666
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$99,258
−HK$2,630/mo
Today · 4.125%
HK$101,888
baseline
▲ 0.50% · 4.625%
HK$107,259
+HK$5,371/mo
Deposit HK$19.05M · loan HK$19.05M · min. income ≈ HK$203,776/mo (50% DSR)
Upfront cash ≈ HK$20.67M (deposit + AVD stamp duty HK$1,619,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,270
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$107,513
−HK$3,295/mo
Today · 4.125%
HK$110,808
baseline
▲ 0.50% · 4.625%
HK$117,551
+HK$6,743/mo
Deposit HK$15.24M · loan HK$22.86M · min. income ≈ HK$221,616/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,619,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,999
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$119,110
−HK$3,156/mo
Today · 4.125%
HK$122,266
baseline
▲ 0.50% · 4.625%
HK$128,711
+HK$6,445/mo
Deposit HK$15.24M · loan HK$22.86M · min. income ≈ HK$244,532/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,619,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,648
−HK$7,628/mo
▼ 0.25% · 3.875%
HK$125,432
−HK$3,844/mo
Today · 4.125%
HK$129,276
baseline
▲ 0.50% · 4.625%
HK$137,142
+HK$7,866/mo
Deposit HK$11.43M · loan HK$26.67M · min. income ≈ HK$258,552/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,619,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,332
−HK$7,312/mo
▼ 0.25% · 3.875%
HK$138,962
−HK$3,682/mo
Today · 4.125%
HK$142,644
baseline
▲ 0.50% · 4.625%
HK$150,163
+HK$7,519/mo
Deposit HK$11.43M · loan HK$26.67M · min. income ≈ HK$285,288/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,619,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,404
−HK$9,808/mo
▼ 0.25% · 3.875%
HK$161,270
−HK$4,942/mo
Today · 4.125%
HK$166,212
baseline
▲ 0.50% · 4.625%
HK$176,326
+HK$10,114/mo
Deposit HK$3.81M · loan HK$34.30M · min. income ≈ HK$332,424/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,619,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,998
−HK$9,401/mo
▼ 0.25% · 3.875%
HK$178,665
−HK$4,734/mo
Today · 4.125%
HK$183,399
baseline
▲ 0.50% · 4.625%
HK$193,066
+HK$9,667/mo
Deposit HK$3.81M · loan HK$34.30M · min. income ≈ HK$366,798/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,619,504 · Scale 2, in force from 26 Feb 2026)