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$88,062
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$90,801
−HK$2,783/mo
Today · 4.125%
HK$93,584
baseline
▲ 0.50% · 4.625%
HK$99,279
+HK$5,695/mo
Deposit HK$19.31M · loan HK$19.31M · min. income ≈ HK$187,168/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$1,641,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,968
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,595
−HK$2,666/mo
Today · 4.125%
HK$103,261
baseline
▲ 0.50% · 4.625%
HK$108,704
+HK$5,443/mo
Deposit HK$19.31M · loan HK$19.31M · min. income ≈ HK$206,522/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$1,641,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,674
−HK$6,627/mo
▼ 0.25% · 3.875%
HK$108,961
−HK$3,340/mo
Today · 4.125%
HK$112,301
baseline
▲ 0.50% · 4.625%
HK$119,134
+HK$6,833/mo
Deposit HK$15.45M · loan HK$23.17M · min. income ≈ HK$224,602/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,562
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$120,715
−HK$3,198/mo
Today · 4.125%
HK$123,913
baseline
▲ 0.50% · 4.625%
HK$130,445
+HK$6,532/mo
Deposit HK$15.45M · loan HK$23.17M · min. income ≈ HK$247,826/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,287
−HK$7,731/mo
▼ 0.25% · 3.875%
HK$127,122
−HK$3,896/mo
Today · 4.125%
HK$131,018
baseline
▲ 0.50% · 4.625%
HK$138,990
+HK$7,972/mo
Deposit HK$11.59M · loan HK$27.03M · min. income ≈ HK$262,036/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,155
−HK$7,410/mo
▼ 0.25% · 3.875%
HK$140,834
−HK$3,731/mo
Today · 4.125%
HK$144,565
baseline
▲ 0.50% · 4.625%
HK$152,185
+HK$7,620/mo
Deposit HK$11.59M · loan HK$27.03M · min. income ≈ HK$289,130/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,511
−HK$9,941/mo
▼ 0.25% · 3.875%
HK$163,442
−HK$5,010/mo
Today · 4.125%
HK$168,452
baseline
▲ 0.50% · 4.625%
HK$178,701
+HK$10,249/mo
Deposit HK$3.86M · loan HK$34.76M · min. income ≈ HK$336,904/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,342
−HK$9,528/mo
▼ 0.25% · 3.875%
HK$181,072
−HK$4,798/mo
Today · 4.125%
HK$185,870
baseline
▲ 0.50% · 4.625%
HK$195,667
+HK$9,797/mo
Deposit HK$3.86M · loan HK$34.76M · min. income ≈ HK$371,740/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,321 · Scale 2, in force from 26 Feb 2026)