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$87,368
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$90,085
−HK$2,761/mo
Today · 4.125%
HK$92,846
baseline
▲ 0.50% · 4.625%
HK$98,496
+HK$5,650/mo
Deposit HK$19.16M · loan HK$19.16M · min. income ≈ HK$185,692/mo (50% DSR)
Upfront cash ≈ HK$20.79M (deposit + AVD stamp duty HK$1,628,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,195
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$99,802
−HK$2,645/mo
Today · 4.125%
HK$102,447
baseline
▲ 0.50% · 4.625%
HK$107,847
+HK$5,400/mo
Deposit HK$19.16M · loan HK$19.16M · min. income ≈ HK$204,894/mo (50% DSR)
Upfront cash ≈ HK$20.79M (deposit + AVD stamp duty HK$1,628,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,841
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$108,102
−HK$3,313/mo
Today · 4.125%
HK$111,415
baseline
▲ 0.50% · 4.625%
HK$118,195
+HK$6,780/mo
Deposit HK$15.33M · loan HK$22.99M · min. income ≈ HK$222,830/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,628,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,635
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$119,763
−HK$3,173/mo
Today · 4.125%
HK$122,936
baseline
▲ 0.50% · 4.625%
HK$129,416
+HK$6,480/mo
Deposit HK$15.33M · loan HK$22.99M · min. income ≈ HK$245,872/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,628,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,315
−HK$7,670/mo
▼ 0.25% · 3.875%
HK$126,119
−HK$3,866/mo
Today · 4.125%
HK$129,985
baseline
▲ 0.50% · 4.625%
HK$137,894
+HK$7,909/mo
Deposit HK$11.49M · loan HK$26.82M · min. income ≈ HK$259,970/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,628,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,074
−HK$7,351/mo
▼ 0.25% · 3.875%
HK$139,723
−HK$3,702/mo
Today · 4.125%
HK$143,425
baseline
▲ 0.50% · 4.625%
HK$150,985
+HK$7,560/mo
Deposit HK$11.49M · loan HK$26.82M · min. income ≈ HK$286,850/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,628,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,262
−HK$9,861/mo
▼ 0.25% · 3.875%
HK$162,153
−HK$4,970/mo
Today · 4.125%
HK$167,123
baseline
▲ 0.50% · 4.625%
HK$177,292
+HK$10,169/mo
Deposit HK$3.83M · loan HK$34.48M · min. income ≈ HK$334,246/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,628,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,952
−HK$9,452/mo
▼ 0.25% · 3.875%
HK$179,644
−HK$4,760/mo
Today · 4.125%
HK$184,404
baseline
▲ 0.50% · 4.625%
HK$194,124
+HK$9,720/mo
Deposit HK$3.83M · loan HK$34.48M · min. income ≈ HK$368,808/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,628,378 · Scale 2, in force from 26 Feb 2026)