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$86,760
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$89,459
−HK$2,742/mo
Today · 4.125%
HK$92,201
baseline
▲ 0.50% · 4.625%
HK$97,811
+HK$5,610/mo
Deposit HK$19.02M · loan HK$19.02M · min. income ≈ HK$184,402/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$1,617,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,520
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$99,108
−HK$2,626/mo
Today · 4.125%
HK$101,734
baseline
▲ 0.50% · 4.625%
HK$107,097
+HK$5,363/mo
Deposit HK$19.02M · loan HK$19.02M · min. income ≈ HK$203,468/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$1,617,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,112
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$107,350
−HK$3,291/mo
Today · 4.125%
HK$110,641
baseline
▲ 0.50% · 4.625%
HK$117,373
+HK$6,732/mo
Deposit HK$15.22M · loan HK$22.83M · min. income ≈ HK$221,282/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,617,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,823
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$118,930
−HK$3,151/mo
Today · 4.125%
HK$122,081
baseline
▲ 0.50% · 4.625%
HK$128,516
+HK$6,435/mo
Deposit HK$15.22M · loan HK$22.83M · min. income ≈ HK$244,162/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,617,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,464
−HK$7,617/mo
▼ 0.25% · 3.875%
HK$125,242
−HK$3,839/mo
Today · 4.125%
HK$129,081
baseline
▲ 0.50% · 4.625%
HK$136,935
+HK$7,854/mo
Deposit HK$11.41M · loan HK$26.63M · min. income ≈ HK$258,162/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,617,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,127
−HK$7,301/mo
▼ 0.25% · 3.875%
HK$138,751
−HK$3,677/mo
Today · 4.125%
HK$142,428
baseline
▲ 0.50% · 4.625%
HK$149,935
+HK$7,507/mo
Deposit HK$11.41M · loan HK$26.63M · min. income ≈ HK$284,856/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,617,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,168
−HK$9,793/mo
▼ 0.25% · 3.875%
HK$161,026
−HK$4,935/mo
Today · 4.125%
HK$165,961
baseline
▲ 0.50% · 4.625%
HK$176,059
+HK$10,098/mo
Deposit HK$3.80M · loan HK$34.24M · min. income ≈ HK$331,922/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,617,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,735
−HK$9,387/mo
▼ 0.25% · 3.875%
HK$178,395
−HK$4,727/mo
Today · 4.125%
HK$183,122
baseline
▲ 0.50% · 4.625%
HK$192,774
+HK$9,652/mo
Deposit HK$3.80M · loan HK$34.24M · min. income ≈ HK$366,244/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,617,054 · Scale 2, in force from 26 Feb 2026)