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$87,744
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$90,473
−HK$2,773/mo
Today · 4.125%
HK$93,246
baseline
▲ 0.50% · 4.625%
HK$98,920
+HK$5,674/mo
Deposit HK$19.24M · loan HK$19.24M · min. income ≈ HK$186,492/mo (50% DSR)
Upfront cash ≈ HK$20.88M (deposit + AVD stamp duty HK$1,635,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,614
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$100,232
−HK$2,656/mo
Today · 4.125%
HK$102,888
baseline
▲ 0.50% · 4.625%
HK$108,311
+HK$5,423/mo
Deposit HK$19.24M · loan HK$19.24M · min. income ≈ HK$205,776/mo (50% DSR)
Upfront cash ≈ HK$20.88M (deposit + AVD stamp duty HK$1,635,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,292
−HK$6,603/mo
▼ 0.25% · 3.875%
HK$108,567
−HK$3,328/mo
Today · 4.125%
HK$111,895
baseline
▲ 0.50% · 4.625%
HK$118,704
+HK$6,809/mo
Deposit HK$15.39M · loan HK$23.09M · min. income ≈ HK$223,790/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,635,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,137
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$120,278
−HK$3,187/mo
Today · 4.125%
HK$123,465
baseline
▲ 0.50% · 4.625%
HK$129,973
+HK$6,508/mo
Deposit HK$15.39M · loan HK$23.09M · min. income ≈ HK$246,930/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,635,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,841
−HK$7,703/mo
▼ 0.25% · 3.875%
HK$126,662
−HK$3,882/mo
Today · 4.125%
HK$130,544
baseline
▲ 0.50% · 4.625%
HK$138,488
+HK$7,944/mo
Deposit HK$11.54M · loan HK$26.94M · min. income ≈ HK$261,088/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,635,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,659
−HK$7,384/mo
▼ 0.25% · 3.875%
HK$140,325
−HK$3,718/mo
Today · 4.125%
HK$144,043
baseline
▲ 0.50% · 4.625%
HK$151,635
+HK$7,592/mo
Deposit HK$11.54M · loan HK$26.94M · min. income ≈ HK$288,086/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,635,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,938
−HK$9,905/mo
▼ 0.25% · 3.875%
HK$162,851
−HK$4,992/mo
Today · 4.125%
HK$167,843
baseline
▲ 0.50% · 4.625%
HK$178,055
+HK$10,212/mo
Deposit HK$3.85M · loan HK$34.63M · min. income ≈ HK$335,686/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,635,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,705
−HK$9,493/mo
▼ 0.25% · 3.875%
HK$180,417
−HK$4,781/mo
Today · 4.125%
HK$185,198
baseline
▲ 0.50% · 4.625%
HK$194,960
+HK$9,762/mo
Deposit HK$3.85M · loan HK$34.63M · min. income ≈ HK$370,396/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,635,388 · Scale 2, in force from 26 Feb 2026)