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$87,453
−HK$5,484/mo
▼ 0.25% · 3.875%
HK$90,173
−HK$2,764/mo
Today · 4.125%
HK$92,937
baseline
▲ 0.50% · 4.625%
HK$98,592
+HK$5,655/mo
Deposit HK$19.18M · loan HK$19.18M · min. income ≈ HK$185,874/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$1,629,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,290
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$99,899
−HK$2,647/mo
Today · 4.125%
HK$102,546
baseline
▲ 0.50% · 4.625%
HK$107,952
+HK$5,406/mo
Deposit HK$19.18M · loan HK$19.18M · min. income ≈ HK$205,092/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$1,629,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,943
−HK$6,581/mo
▼ 0.25% · 3.875%
HK$108,207
−HK$3,317/mo
Today · 4.125%
HK$111,524
baseline
▲ 0.50% · 4.625%
HK$118,310
+HK$6,786/mo
Deposit HK$15.34M · loan HK$23.01M · min. income ≈ HK$223,048/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,629,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,748
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$119,879
−HK$3,177/mo
Today · 4.125%
HK$123,056
baseline
▲ 0.50% · 4.625%
HK$129,542
+HK$6,486/mo
Deposit HK$15.34M · loan HK$23.01M · min. income ≈ HK$246,112/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,629,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,434
−HK$7,677/mo
▼ 0.25% · 3.875%
HK$126,242
−HK$3,869/mo
Today · 4.125%
HK$130,111
baseline
▲ 0.50% · 4.625%
HK$138,028
+HK$7,917/mo
Deposit HK$11.51M · loan HK$26.85M · min. income ≈ HK$260,222/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,629,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,206
−HK$7,359/mo
▼ 0.25% · 3.875%
HK$139,859
−HK$3,706/mo
Today · 4.125%
HK$143,565
baseline
▲ 0.50% · 4.625%
HK$151,132
+HK$7,567/mo
Deposit HK$11.51M · loan HK$26.85M · min. income ≈ HK$287,130/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,629,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,415
−HK$9,871/mo
▼ 0.25% · 3.875%
HK$162,311
−HK$4,975/mo
Today · 4.125%
HK$167,286
baseline
▲ 0.50% · 4.625%
HK$177,465
+HK$10,179/mo
Deposit HK$3.84M · loan HK$34.52M · min. income ≈ HK$334,572/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,629,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,122
−HK$9,461/mo
▼ 0.25% · 3.875%
HK$179,819
−HK$4,764/mo
Today · 4.125%
HK$184,583
baseline
▲ 0.50% · 4.625%
HK$194,313
+HK$9,730/mo
Deposit HK$3.84M · loan HK$34.52M · min. income ≈ HK$369,166/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,629,963 · Scale 2, in force from 26 Feb 2026)