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$86,698
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$89,395
−HK$2,740/mo
Today · 4.125%
HK$92,135
baseline
▲ 0.50% · 4.625%
HK$97,741
+HK$5,606/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$184,270/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,615,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,451
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$99,038
−HK$2,624/mo
Today · 4.125%
HK$101,662
baseline
▲ 0.50% · 4.625%
HK$107,021
+HK$5,359/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$203,324/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,615,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,038
−HK$6,524/mo
▼ 0.25% · 3.875%
HK$107,274
−HK$3,288/mo
Today · 4.125%
HK$110,562
baseline
▲ 0.50% · 4.625%
HK$117,289
+HK$6,727/mo
Deposit HK$15.21M · loan HK$22.81M · min. income ≈ HK$221,124/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,741
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$118,845
−HK$3,149/mo
Today · 4.125%
HK$121,994
baseline
▲ 0.50% · 4.625%
HK$128,425
+HK$6,431/mo
Deposit HK$15.21M · loan HK$22.81M · min. income ≈ HK$243,988/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,378
−HK$7,611/mo
▼ 0.25% · 3.875%
HK$125,153
−HK$3,836/mo
Today · 4.125%
HK$128,989
baseline
▲ 0.50% · 4.625%
HK$136,838
+HK$7,849/mo
Deposit HK$11.41M · loan HK$26.61M · min. income ≈ HK$257,978/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,031
−HK$7,296/mo
▼ 0.25% · 3.875%
HK$138,653
−HK$3,674/mo
Today · 4.125%
HK$142,327
baseline
▲ 0.50% · 4.625%
HK$149,829
+HK$7,502/mo
Deposit HK$11.41M · loan HK$26.61M · min. income ≈ HK$284,654/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,057
−HK$9,786/mo
▼ 0.25% · 3.875%
HK$160,911
−HK$4,932/mo
Today · 4.125%
HK$165,843
baseline
▲ 0.50% · 4.625%
HK$175,934
+HK$10,091/mo
Deposit HK$3.80M · loan HK$34.22M · min. income ≈ HK$331,686/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,612
−HK$9,379/mo
▼ 0.25% · 3.875%
HK$178,268
−HK$4,723/mo
Today · 4.125%
HK$182,991
baseline
▲ 0.50% · 4.625%
HK$192,637
+HK$9,646/mo
Deposit HK$3.80M · loan HK$34.22M · min. income ≈ HK$365,982/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,904 · Scale 2, in force from 26 Feb 2026)