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$87,058
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$89,766
−HK$2,751/mo
Today · 4.125%
HK$92,517
baseline
▲ 0.50% · 4.625%
HK$98,147
+HK$5,630/mo
Deposit HK$19.09M · loan HK$19.09M · min. income ≈ HK$185,034/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,622,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,851
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$99,449
−HK$2,635/mo
Today · 4.125%
HK$102,084
baseline
▲ 0.50% · 4.625%
HK$107,465
+HK$5,381/mo
Deposit HK$19.09M · loan HK$19.09M · min. income ≈ HK$204,168/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,622,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,470
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$107,719
−HK$3,302/mo
Today · 4.125%
HK$111,021
baseline
▲ 0.50% · 4.625%
HK$117,776
+HK$6,755/mo
Deposit HK$15.27M · loan HK$22.91M · min. income ≈ HK$222,042/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,622,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,221
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$119,338
−HK$3,163/mo
Today · 4.125%
HK$122,501
baseline
▲ 0.50% · 4.625%
HK$128,958
+HK$6,457/mo
Deposit HK$15.27M · loan HK$22.91M · min. income ≈ HK$245,002/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,622,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,881
−HK$7,643/mo
▼ 0.25% · 3.875%
HK$125,672
−HK$3,852/mo
Today · 4.125%
HK$129,524
baseline
▲ 0.50% · 4.625%
HK$137,406
+HK$7,882/mo
Deposit HK$11.45M · loan HK$26.73M · min. income ≈ HK$259,048/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,622,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,592
−HK$7,325/mo
▼ 0.25% · 3.875%
HK$139,228
−HK$3,689/mo
Today · 4.125%
HK$142,917
baseline
▲ 0.50% · 4.625%
HK$150,451
+HK$7,534/mo
Deposit HK$11.45M · loan HK$26.73M · min. income ≈ HK$285,834/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,622,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,704
−HK$9,827/mo
▼ 0.25% · 3.875%
HK$161,579
−HK$4,952/mo
Today · 4.125%
HK$166,531
baseline
▲ 0.50% · 4.625%
HK$176,664
+HK$10,133/mo
Deposit HK$3.82M · loan HK$34.36M · min. income ≈ HK$333,062/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,622,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,332
−HK$9,419/mo
▼ 0.25% · 3.875%
HK$179,008
−HK$4,743/mo
Today · 4.125%
HK$183,751
baseline
▲ 0.50% · 4.625%
HK$193,437
+HK$9,686/mo
Deposit HK$3.82M · loan HK$34.36M · min. income ≈ HK$367,502/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,622,610 · Scale 2, in force from 26 Feb 2026)