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$87,010
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$89,717
−HK$2,750/mo
Today · 4.125%
HK$92,467
baseline
▲ 0.50% · 4.625%
HK$98,093
+HK$5,626/mo
Deposit HK$19.08M · loan HK$19.08M · min. income ≈ HK$184,934/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,621,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,798
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$99,394
−HK$2,634/mo
Today · 4.125%
HK$102,028
baseline
▲ 0.50% · 4.625%
HK$107,406
+HK$5,378/mo
Deposit HK$19.08M · loan HK$19.08M · min. income ≈ HK$204,056/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,621,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,412
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$107,660
−HK$3,300/mo
Today · 4.125%
HK$110,960
baseline
▲ 0.50% · 4.625%
HK$117,712
+HK$6,752/mo
Deposit HK$15.26M · loan HK$22.89M · min. income ≈ HK$221,920/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,621,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,158
−HK$6,275/mo
▼ 0.25% · 3.875%
HK$119,273
−HK$3,160/mo
Today · 4.125%
HK$122,433
baseline
▲ 0.50% · 4.625%
HK$128,887
+HK$6,454/mo
Deposit HK$15.26M · loan HK$22.89M · min. income ≈ HK$244,866/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,621,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,814
−HK$7,639/mo
▼ 0.25% · 3.875%
HK$125,604
−HK$3,849/mo
Today · 4.125%
HK$129,453
baseline
▲ 0.50% · 4.625%
HK$137,330
+HK$7,877/mo
Deposit HK$11.45M · loan HK$26.71M · min. income ≈ HK$258,906/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,621,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,517
−HK$7,322/mo
▼ 0.25% · 3.875%
HK$139,152
−HK$3,687/mo
Today · 4.125%
HK$142,839
baseline
▲ 0.50% · 4.625%
HK$150,368
+HK$7,529/mo
Deposit HK$11.45M · loan HK$26.71M · min. income ≈ HK$285,678/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,621,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,619
−HK$9,821/mo
▼ 0.25% · 3.875%
HK$161,490
−HK$4,950/mo
Today · 4.125%
HK$166,440
baseline
▲ 0.50% · 4.625%
HK$176,567
+HK$10,127/mo
Deposit HK$3.82M · loan HK$34.34M · min. income ≈ HK$332,880/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,621,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,237
−HK$9,413/mo
▼ 0.25% · 3.875%
HK$178,909
−HK$4,741/mo
Today · 4.125%
HK$183,650
baseline
▲ 0.50% · 4.625%
HK$193,330
+HK$9,680/mo
Deposit HK$3.82M · loan HK$34.34M · min. income ≈ HK$367,300/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,621,720 · Scale 2, in force from 26 Feb 2026)