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$87,730
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$90,459
−HK$2,772/mo
Today · 4.125%
HK$93,231
baseline
▲ 0.50% · 4.625%
HK$98,904
+HK$5,673/mo
Deposit HK$19.24M · loan HK$19.24M · min. income ≈ HK$186,462/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,635,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,598
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$100,216
−HK$2,655/mo
Today · 4.125%
HK$102,871
baseline
▲ 0.50% · 4.625%
HK$108,294
+HK$5,423/mo
Deposit HK$19.24M · loan HK$19.24M · min. income ≈ HK$205,742/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,635,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,276
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$108,550
−HK$3,327/mo
Today · 4.125%
HK$111,877
baseline
▲ 0.50% · 4.625%
HK$118,685
+HK$6,808/mo
Deposit HK$15.39M · loan HK$23.08M · min. income ≈ HK$223,754/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,635,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,118
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$120,259
−HK$3,187/mo
Today · 4.125%
HK$123,446
baseline
▲ 0.50% · 4.625%
HK$129,953
+HK$6,507/mo
Deposit HK$15.39M · loan HK$23.08M · min. income ≈ HK$246,892/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,635,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,822
−HK$7,702/mo
▼ 0.25% · 3.875%
HK$126,642
−HK$3,882/mo
Today · 4.125%
HK$130,524
baseline
▲ 0.50% · 4.625%
HK$138,466
+HK$7,942/mo
Deposit HK$11.54M · loan HK$26.93M · min. income ≈ HK$261,048/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,635,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,638
−HK$7,382/mo
▼ 0.25% · 3.875%
HK$140,302
−HK$3,718/mo
Today · 4.125%
HK$144,020
baseline
▲ 0.50% · 4.625%
HK$151,611
+HK$7,591/mo
Deposit HK$11.54M · loan HK$26.93M · min. income ≈ HK$288,040/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,635,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,913
−HK$9,903/mo
▼ 0.25% · 3.875%
HK$162,826
−HK$4,990/mo
Today · 4.125%
HK$167,816
baseline
▲ 0.50% · 4.625%
HK$178,027
+HK$10,211/mo
Deposit HK$3.85M · loan HK$34.63M · min. income ≈ HK$335,632/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,635,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,677
−HK$9,491/mo
▼ 0.25% · 3.875%
HK$180,389
−HK$4,779/mo
Today · 4.125%
HK$185,168
baseline
▲ 0.50% · 4.625%
HK$194,929
+HK$9,761/mo
Deposit HK$3.85M · loan HK$34.63M · min. income ≈ HK$370,336/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,635,129 · Scale 2, in force from 26 Feb 2026)