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$87,069
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$89,777
−HK$2,752/mo
Today · 4.125%
HK$92,529
baseline
▲ 0.50% · 4.625%
HK$98,159
+HK$5,630/mo
Deposit HK$19.09M · loan HK$19.09M · min. income ≈ HK$185,058/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,622,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,863
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$99,461
−HK$2,635/mo
Today · 4.125%
HK$102,096
baseline
▲ 0.50% · 4.625%
HK$107,478
+HK$5,382/mo
Deposit HK$19.09M · loan HK$19.09M · min. income ≈ HK$204,192/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,622,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,483
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$107,733
−HK$3,302/mo
Today · 4.125%
HK$111,035
baseline
▲ 0.50% · 4.625%
HK$117,791
+HK$6,756/mo
Deposit HK$15.27M · loan HK$22.91M · min. income ≈ HK$222,070/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,622,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,236
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$119,353
−HK$3,163/mo
Today · 4.125%
HK$122,516
baseline
▲ 0.50% · 4.625%
HK$128,974
+HK$6,458/mo
Deposit HK$15.27M · loan HK$22.91M · min. income ≈ HK$245,032/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,622,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,896
−HK$7,644/mo
▼ 0.25% · 3.875%
HK$125,688
−HK$3,852/mo
Today · 4.125%
HK$129,540
baseline
▲ 0.50% · 4.625%
HK$137,423
+HK$7,883/mo
Deposit HK$11.46M · loan HK$26.73M · min. income ≈ HK$259,080/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,622,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,608
−HK$7,327/mo
▼ 0.25% · 3.875%
HK$139,245
−HK$3,690/mo
Today · 4.125%
HK$142,935
baseline
▲ 0.50% · 4.625%
HK$150,469
+HK$7,534/mo
Deposit HK$11.46M · loan HK$26.73M · min. income ≈ HK$285,870/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,622,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,724
−HK$9,828/mo
▼ 0.25% · 3.875%
HK$161,599
−HK$4,953/mo
Today · 4.125%
HK$166,552
baseline
▲ 0.50% · 4.625%
HK$176,686
+HK$10,134/mo
Deposit HK$3.82M · loan HK$34.37M · min. income ≈ HK$333,104/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,622,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,354
−HK$9,419/mo
▼ 0.25% · 3.875%
HK$179,030
−HK$4,743/mo
Today · 4.125%
HK$183,773
baseline
▲ 0.50% · 4.625%
HK$193,460
+HK$9,687/mo
Deposit HK$3.82M · loan HK$34.37M · min. income ≈ HK$367,546/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,622,811 · Scale 2, in force from 26 Feb 2026)