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$87,175
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$89,887
−HK$2,755/mo
Today · 4.125%
HK$92,642
baseline
▲ 0.50% · 4.625%
HK$98,279
+HK$5,637/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$185,284/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,624,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,982
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$99,583
−HK$2,638/mo
Today · 4.125%
HK$102,221
baseline
▲ 0.50% · 4.625%
HK$107,610
+HK$5,389/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$204,442/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,624,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,610
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$107,864
−HK$3,306/mo
Today · 4.125%
HK$111,170
baseline
▲ 0.50% · 4.625%
HK$117,935
+HK$6,765/mo
Deposit HK$15.29M · loan HK$22.94M · min. income ≈ HK$222,340/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,624,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,378
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$119,499
−HK$3,167/mo
Today · 4.125%
HK$122,666
baseline
▲ 0.50% · 4.625%
HK$129,131
+HK$6,465/mo
Deposit HK$15.29M · loan HK$22.94M · min. income ≈ HK$245,332/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,624,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,046
−HK$7,653/mo
▼ 0.25% · 3.875%
HK$125,842
−HK$3,857/mo
Today · 4.125%
HK$129,699
baseline
▲ 0.50% · 4.625%
HK$137,591
+HK$7,892/mo
Deposit HK$11.47M · loan HK$26.76M · min. income ≈ HK$259,398/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,774
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$139,416
−HK$3,694/mo
Today · 4.125%
HK$143,110
baseline
▲ 0.50% · 4.625%
HK$150,653
+HK$7,543/mo
Deposit HK$11.47M · loan HK$26.76M · min. income ≈ HK$286,220/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,916
−HK$9,840/mo
▼ 0.25% · 3.875%
HK$161,797
−HK$4,959/mo
Today · 4.125%
HK$166,756
baseline
▲ 0.50% · 4.625%
HK$176,902
+HK$10,146/mo
Deposit HK$3.82M · loan HK$34.41M · min. income ≈ HK$333,512/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,567
−HK$9,431/mo
▼ 0.25% · 3.875%
HK$179,249
−HK$4,749/mo
Today · 4.125%
HK$183,998
baseline
▲ 0.50% · 4.625%
HK$193,697
+HK$9,699/mo
Deposit HK$3.82M · loan HK$34.41M · min. income ≈ HK$367,996/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,797 · Scale 2, in force from 26 Feb 2026)