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$87,219
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$89,932
−HK$2,756/mo
Today · 4.125%
HK$92,688
baseline
▲ 0.50% · 4.625%
HK$98,328
+HK$5,640/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$185,376/mo (50% DSR)
Upfront cash ≈ HK$20.75M (deposit + AVD stamp duty HK$1,625,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,030
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$99,633
−HK$2,640/mo
Today · 4.125%
HK$102,273
baseline
▲ 0.50% · 4.625%
HK$107,663
+HK$5,390/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$204,546/mo (50% DSR)
Upfront cash ≈ HK$20.75M (deposit + AVD stamp duty HK$1,625,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,663
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$107,918
−HK$3,308/mo
Today · 4.125%
HK$111,226
baseline
▲ 0.50% · 4.625%
HK$117,994
+HK$6,768/mo
Deposit HK$15.30M · loan HK$22.95M · min. income ≈ HK$222,452/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,625,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,436
−HK$6,291/mo
▼ 0.25% · 3.875%
HK$119,559
−HK$3,168/mo
Today · 4.125%
HK$122,727
baseline
▲ 0.50% · 4.625%
HK$129,196
+HK$6,469/mo
Deposit HK$15.30M · loan HK$22.95M · min. income ≈ HK$245,454/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,625,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,107
−HK$7,657/mo
▼ 0.25% · 3.875%
HK$125,905
−HK$3,859/mo
Today · 4.125%
HK$129,764
baseline
▲ 0.50% · 4.625%
HK$137,660
+HK$7,896/mo
Deposit HK$11.47M · loan HK$26.77M · min. income ≈ HK$259,528/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,625,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,842
−HK$7,340/mo
▼ 0.25% · 3.875%
HK$139,486
−HK$3,696/mo
Today · 4.125%
HK$143,182
baseline
▲ 0.50% · 4.625%
HK$150,729
+HK$7,547/mo
Deposit HK$11.47M · loan HK$26.77M · min. income ≈ HK$286,364/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,625,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,994
−HK$9,845/mo
▼ 0.25% · 3.875%
HK$161,878
−HK$4,961/mo
Today · 4.125%
HK$166,839
baseline
▲ 0.50% · 4.625%
HK$176,991
+HK$10,152/mo
Deposit HK$3.82M · loan HK$34.42M · min. income ≈ HK$333,678/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,625,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,655
−HK$9,436/mo
▼ 0.25% · 3.875%
HK$179,339
−HK$4,752/mo
Today · 4.125%
HK$184,091
baseline
▲ 0.50% · 4.625%
HK$193,794
+HK$9,703/mo
Deposit HK$3.82M · loan HK$34.42M · min. income ≈ HK$368,182/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,625,611 · Scale 2, in force from 26 Feb 2026)