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$87,807
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$90,538
−HK$2,775/mo
Today · 4.125%
HK$93,313
baseline
▲ 0.50% · 4.625%
HK$98,991
+HK$5,678/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$186,626/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,684
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$100,304
−HK$2,658/mo
Today · 4.125%
HK$102,962
baseline
▲ 0.50% · 4.625%
HK$108,389
+HK$5,427/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$205,924/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,368
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$108,646
−HK$3,330/mo
Today · 4.125%
HK$111,976
baseline
▲ 0.50% · 4.625%
HK$118,789
+HK$6,813/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$223,952/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,221
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$120,365
−HK$3,189/mo
Today · 4.125%
HK$123,554
baseline
▲ 0.50% · 4.625%
HK$130,067
+HK$6,513/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$247,108/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,930
−HK$7,709/mo
▼ 0.25% · 3.875%
HK$126,754
−HK$3,885/mo
Today · 4.125%
HK$130,639
baseline
▲ 0.50% · 4.625%
HK$138,588
+HK$7,949/mo
Deposit HK$11.55M · loan HK$26.96M · min. income ≈ HK$261,278/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,758
−HK$7,389/mo
▼ 0.25% · 3.875%
HK$140,426
−HK$3,721/mo
Today · 4.125%
HK$144,147
baseline
▲ 0.50% · 4.625%
HK$151,745
+HK$7,598/mo
Deposit HK$11.55M · loan HK$26.96M · min. income ≈ HK$288,294/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,053
−HK$9,911/mo
▼ 0.25% · 3.875%
HK$162,969
−HK$4,995/mo
Today · 4.125%
HK$167,964
baseline
▲ 0.50% · 4.625%
HK$178,184
+HK$10,220/mo
Deposit HK$3.85M · loan HK$34.66M · min. income ≈ HK$335,928/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,832
−HK$9,499/mo
▼ 0.25% · 3.875%
HK$180,548
−HK$4,783/mo
Today · 4.125%
HK$185,331
baseline
▲ 0.50% · 4.625%
HK$195,101
+HK$9,770/mo
Deposit HK$3.85M · loan HK$34.66M · min. income ≈ HK$370,662/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,569 · Scale 2, in force from 26 Feb 2026)