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$87,527
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$90,250
−HK$2,766/mo
Today · 4.125%
HK$93,016
baseline
▲ 0.50% · 4.625%
HK$98,676
+HK$5,660/mo
Deposit HK$19.19M · loan HK$19.19M · min. income ≈ HK$186,032/mo (50% DSR)
Upfront cash ≈ HK$20.82M (deposit + AVD stamp duty HK$1,631,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,373
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$99,985
−HK$2,649/mo
Today · 4.125%
HK$102,634
baseline
▲ 0.50% · 4.625%
HK$108,044
+HK$5,410/mo
Deposit HK$19.19M · loan HK$19.19M · min. income ≈ HK$205,268/mo (50% DSR)
Upfront cash ≈ HK$20.82M (deposit + AVD stamp duty HK$1,631,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,033
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$108,300
−HK$3,319/mo
Today · 4.125%
HK$111,619
baseline
▲ 0.50% · 4.625%
HK$118,411
+HK$6,792/mo
Deposit HK$15.35M · loan HK$23.03M · min. income ≈ HK$223,238/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,631,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,848
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$119,982
−HK$3,179/mo
Today · 4.125%
HK$123,161
baseline
▲ 0.50% · 4.625%
HK$129,653
+HK$6,492/mo
Deposit HK$15.35M · loan HK$23.03M · min. income ≈ HK$246,322/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,631,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,538
−HK$7,684/mo
▼ 0.25% · 3.875%
HK$126,350
−HK$3,872/mo
Today · 4.125%
HK$130,222
baseline
▲ 0.50% · 4.625%
HK$138,146
+HK$7,924/mo
Deposit HK$11.52M · loan HK$26.87M · min. income ≈ HK$260,444/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,631,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,322
−HK$7,366/mo
▼ 0.25% · 3.875%
HK$139,979
−HK$3,709/mo
Today · 4.125%
HK$143,688
baseline
▲ 0.50% · 4.625%
HK$151,262
+HK$7,574/mo
Deposit HK$11.52M · loan HK$26.87M · min. income ≈ HK$287,376/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,631,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,549
−HK$9,880/mo
▼ 0.25% · 3.875%
HK$162,450
−HK$4,979/mo
Today · 4.125%
HK$167,429
baseline
▲ 0.50% · 4.625%
HK$177,616
+HK$10,187/mo
Deposit HK$3.84M · loan HK$34.55M · min. income ≈ HK$334,858/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,631,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,272
−HK$9,469/mo
▼ 0.25% · 3.875%
HK$179,972
−HK$4,769/mo
Today · 4.125%
HK$184,741
baseline
▲ 0.50% · 4.625%
HK$194,479
+HK$9,738/mo
Deposit HK$3.84M · loan HK$34.55M · min. income ≈ HK$369,482/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,631,356 · Scale 2, in force from 26 Feb 2026)