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$87,867
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$90,600
−HK$2,777/mo
Today · 4.125%
HK$93,377
baseline
▲ 0.50% · 4.625%
HK$99,058
+HK$5,681/mo
Deposit HK$19.27M · loan HK$19.27M · min. income ≈ HK$186,754/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$1,637,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,751
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$100,372
−HK$2,660/mo
Today · 4.125%
HK$103,032
baseline
▲ 0.50% · 4.625%
HK$108,463
+HK$5,431/mo
Deposit HK$19.27M · loan HK$19.27M · min. income ≈ HK$206,064/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$1,637,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,440
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$108,720
−HK$3,332/mo
Today · 4.125%
HK$112,052
baseline
▲ 0.50% · 4.625%
HK$118,870
+HK$6,818/mo
Deposit HK$15.41M · loan HK$23.12M · min. income ≈ HK$224,104/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,637,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,301
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$120,447
−HK$3,191/mo
Today · 4.125%
HK$123,638
baseline
▲ 0.50% · 4.625%
HK$130,155
+HK$6,517/mo
Deposit HK$15.41M · loan HK$23.12M · min. income ≈ HK$247,276/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,637,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,013
−HK$7,714/mo
▼ 0.25% · 3.875%
HK$126,840
−HK$3,887/mo
Today · 4.125%
HK$130,727
baseline
▲ 0.50% · 4.625%
HK$138,682
+HK$7,955/mo
Deposit HK$11.56M · loan HK$26.97M · min. income ≈ HK$261,454/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,637,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,851
−HK$7,394/mo
▼ 0.25% · 3.875%
HK$140,521
−HK$3,724/mo
Today · 4.125%
HK$144,245
baseline
▲ 0.50% · 4.625%
HK$151,848
+HK$7,603/mo
Deposit HK$11.56M · loan HK$26.97M · min. income ≈ HK$288,490/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,637,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,160
−HK$9,918/mo
▼ 0.25% · 3.875%
HK$163,079
−HK$4,999/mo
Today · 4.125%
HK$168,078
baseline
▲ 0.50% · 4.625%
HK$178,305
+HK$10,227/mo
Deposit HK$3.85M · loan HK$34.68M · min. income ≈ HK$336,156/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,637,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,951
−HK$9,506/mo
▼ 0.25% · 3.875%
HK$180,670
−HK$4,787/mo
Today · 4.125%
HK$185,457
baseline
▲ 0.50% · 4.625%
HK$195,233
+HK$9,776/mo
Deposit HK$3.85M · loan HK$34.68M · min. income ≈ HK$370,914/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,637,679 · Scale 2, in force from 26 Feb 2026)