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$87,297
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$90,013
−HK$2,759/mo
Today · 4.125%
HK$92,772
baseline
▲ 0.50% · 4.625%
HK$98,417
+HK$5,645/mo
Deposit HK$19.14M · loan HK$19.14M · min. income ≈ HK$185,544/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,627,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,117
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$99,722
−HK$2,642/mo
Today · 4.125%
HK$102,364
baseline
▲ 0.50% · 4.625%
HK$107,760
+HK$5,396/mo
Deposit HK$19.14M · loan HK$19.14M · min. income ≈ HK$204,728/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,627,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,757
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$108,015
−HK$3,311/mo
Today · 4.125%
HK$111,326
baseline
▲ 0.50% · 4.625%
HK$118,100
+HK$6,774/mo
Deposit HK$15.31M · loan HK$22.97M · min. income ≈ HK$222,652/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,627,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,541
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$119,667
−HK$3,170/mo
Today · 4.125%
HK$122,837
baseline
▲ 0.50% · 4.625%
HK$129,312
+HK$6,475/mo
Deposit HK$15.31M · loan HK$22.97M · min. income ≈ HK$245,674/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,627,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,216
−HK$7,664/mo
▼ 0.25% · 3.875%
HK$126,018
−HK$3,862/mo
Today · 4.125%
HK$129,880
baseline
▲ 0.50% · 4.625%
HK$137,783
+HK$7,903/mo
Deposit HK$11.49M · loan HK$26.80M · min. income ≈ HK$259,760/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,627,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,964
−HK$7,346/mo
▼ 0.25% · 3.875%
HK$139,611
−HK$3,699/mo
Today · 4.125%
HK$143,310
baseline
▲ 0.50% · 4.625%
HK$150,864
+HK$7,554/mo
Deposit HK$11.49M · loan HK$26.80M · min. income ≈ HK$286,620/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,627,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,135
−HK$9,854/mo
▼ 0.25% · 3.875%
HK$162,023
−HK$4,966/mo
Today · 4.125%
HK$166,989
baseline
▲ 0.50% · 4.625%
HK$177,150
+HK$10,161/mo
Deposit HK$3.83M · loan HK$34.46M · min. income ≈ HK$333,978/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,627,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,811
−HK$9,445/mo
▼ 0.25% · 3.875%
HK$179,500
−HK$4,756/mo
Today · 4.125%
HK$184,256
baseline
▲ 0.50% · 4.625%
HK$193,968
+HK$9,712/mo
Deposit HK$3.83M · loan HK$34.46M · min. income ≈ HK$368,512/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,627,071 · Scale 2, in force from 26 Feb 2026)