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$87,927
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$90,662
−HK$2,779/mo
Today · 4.125%
HK$93,441
baseline
▲ 0.50% · 4.625%
HK$99,127
+HK$5,686/mo
Deposit HK$19.28M · loan HK$19.28M · min. income ≈ HK$186,882/mo (50% DSR)
Upfront cash ≈ HK$20.92M (deposit + AVD stamp duty HK$1,638,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,818
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$100,442
−HK$2,661/mo
Today · 4.125%
HK$103,103
baseline
▲ 0.50% · 4.625%
HK$108,538
+HK$5,435/mo
Deposit HK$19.28M · loan HK$19.28M · min. income ≈ HK$206,206/mo (50% DSR)
Upfront cash ≈ HK$20.92M (deposit + AVD stamp duty HK$1,638,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,513
−HK$6,616/mo
▼ 0.25% · 3.875%
HK$108,795
−HK$3,334/mo
Today · 4.125%
HK$112,129
baseline
▲ 0.50% · 4.625%
HK$118,952
+HK$6,823/mo
Deposit HK$15.42M · loan HK$23.14M · min. income ≈ HK$224,258/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,638,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,382
−HK$6,342/mo
▼ 0.25% · 3.875%
HK$120,530
−HK$3,194/mo
Today · 4.125%
HK$123,724
baseline
▲ 0.50% · 4.625%
HK$130,245
+HK$6,521/mo
Deposit HK$15.42M · loan HK$23.14M · min. income ≈ HK$247,448/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,638,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,098
−HK$7,720/mo
▼ 0.25% · 3.875%
HK$126,927
−HK$3,891/mo
Today · 4.125%
HK$130,818
baseline
▲ 0.50% · 4.625%
HK$138,777
+HK$7,959/mo
Deposit HK$11.57M · loan HK$26.99M · min. income ≈ HK$261,636/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,638,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,945
−HK$7,399/mo
▼ 0.25% · 3.875%
HK$140,618
−HK$3,726/mo
Today · 4.125%
HK$144,344
baseline
▲ 0.50% · 4.625%
HK$151,953
+HK$7,609/mo
Deposit HK$11.57M · loan HK$26.99M · min. income ≈ HK$288,688/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,638,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,269
−HK$9,925/mo
▼ 0.25% · 3.875%
HK$163,192
−HK$5,002/mo
Today · 4.125%
HK$168,194
baseline
▲ 0.50% · 4.625%
HK$178,428
+HK$10,234/mo
Deposit HK$3.86M · loan HK$34.70M · min. income ≈ HK$336,388/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,638,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,073
−HK$9,512/mo
▼ 0.25% · 3.875%
HK$180,795
−HK$4,790/mo
Today · 4.125%
HK$185,585
baseline
▲ 0.50% · 4.625%
HK$195,368
+HK$9,783/mo
Deposit HK$3.86M · loan HK$34.70M · min. income ≈ HK$371,170/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,638,811 · Scale 2, in force from 26 Feb 2026)