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$87,536
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$90,259
−HK$2,767/mo
Today · 4.125%
HK$93,026
baseline
▲ 0.50% · 4.625%
HK$98,686
+HK$5,660/mo
Deposit HK$19.19M · loan HK$19.19M · min. income ≈ HK$186,052/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$1,631,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,383
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$99,995
−HK$2,650/mo
Today · 4.125%
HK$102,645
baseline
▲ 0.50% · 4.625%
HK$108,055
+HK$5,410/mo
Deposit HK$19.19M · loan HK$19.19M · min. income ≈ HK$205,290/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$1,631,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,044
−HK$6,587/mo
▼ 0.25% · 3.875%
HK$108,311
−HK$3,320/mo
Today · 4.125%
HK$111,631
baseline
▲ 0.50% · 4.625%
HK$118,423
+HK$6,792/mo
Deposit HK$15.36M · loan HK$23.03M · min. income ≈ HK$223,262/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,631,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,860
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$119,994
−HK$3,180/mo
Today · 4.125%
HK$123,174
baseline
▲ 0.50% · 4.625%
HK$129,666
+HK$6,492/mo
Deposit HK$15.36M · loan HK$23.03M · min. income ≈ HK$246,348/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,631,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,551
−HK$7,685/mo
▼ 0.25% · 3.875%
HK$126,363
−HK$3,873/mo
Today · 4.125%
HK$130,236
baseline
▲ 0.50% · 4.625%
HK$138,160
+HK$7,924/mo
Deposit HK$11.52M · loan HK$26.87M · min. income ≈ HK$260,472/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,631,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,337
−HK$7,365/mo
▼ 0.25% · 3.875%
HK$139,993
−HK$3,709/mo
Today · 4.125%
HK$143,702
baseline
▲ 0.50% · 4.625%
HK$151,277
+HK$7,575/mo
Deposit HK$11.52M · loan HK$26.87M · min. income ≈ HK$287,404/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,631,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,565
−HK$9,881/mo
▼ 0.25% · 3.875%
HK$162,467
−HK$4,979/mo
Today · 4.125%
HK$167,446
baseline
▲ 0.50% · 4.625%
HK$177,635
+HK$10,189/mo
Deposit HK$3.84M · loan HK$34.55M · min. income ≈ HK$334,892/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,631,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,290
−HK$9,470/mo
▼ 0.25% · 3.875%
HK$179,991
−HK$4,769/mo
Today · 4.125%
HK$184,760
baseline
▲ 0.50% · 4.625%
HK$194,499
+HK$9,739/mo
Deposit HK$3.84M · loan HK$34.55M · min. income ≈ HK$369,520/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,631,525 · Scale 2, in force from 26 Feb 2026)