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$87,267
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$89,981
−HK$2,758/mo
Today · 4.125%
HK$92,739
baseline
▲ 0.50% · 4.625%
HK$98,382
+HK$5,643/mo
Deposit HK$19.14M · loan HK$19.14M · min. income ≈ HK$185,478/mo (50% DSR)
Upfront cash ≈ HK$20.76M (deposit + AVD stamp duty HK$1,626,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,084
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$99,687
−HK$2,642/mo
Today · 4.125%
HK$102,329
baseline
▲ 0.50% · 4.625%
HK$107,723
+HK$5,394/mo
Deposit HK$19.14M · loan HK$19.14M · min. income ≈ HK$204,658/mo (50% DSR)
Upfront cash ≈ HK$20.76M (deposit + AVD stamp duty HK$1,626,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,720
−HK$6,567/mo
▼ 0.25% · 3.875%
HK$107,978
−HK$3,309/mo
Today · 4.125%
HK$111,287
baseline
▲ 0.50% · 4.625%
HK$118,059
+HK$6,772/mo
Deposit HK$15.31M · loan HK$22.96M · min. income ≈ HK$222,574/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,626,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,500
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$119,625
−HK$3,169/mo
Today · 4.125%
HK$122,794
baseline
▲ 0.50% · 4.625%
HK$129,267
+HK$6,473/mo
Deposit HK$15.31M · loan HK$22.96M · min. income ≈ HK$245,588/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,626,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,174
−HK$7,661/mo
▼ 0.25% · 3.875%
HK$125,974
−HK$3,861/mo
Today · 4.125%
HK$129,835
baseline
▲ 0.50% · 4.625%
HK$137,735
+HK$7,900/mo
Deposit HK$11.48M · loan HK$26.79M · min. income ≈ HK$259,670/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,626,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,917
−HK$7,343/mo
▼ 0.25% · 3.875%
HK$139,562
−HK$3,698/mo
Today · 4.125%
HK$143,260
baseline
▲ 0.50% · 4.625%
HK$150,812
+HK$7,552/mo
Deposit HK$11.48M · loan HK$26.79M · min. income ≈ HK$286,520/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,626,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,080
−HK$9,851/mo
▼ 0.25% · 3.875%
HK$161,966
−HK$4,965/mo
Today · 4.125%
HK$166,931
baseline
▲ 0.50% · 4.625%
HK$177,088
+HK$10,157/mo
Deposit HK$3.83M · loan HK$34.44M · min. income ≈ HK$333,862/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,626,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,750
−HK$9,442/mo
▼ 0.25% · 3.875%
HK$179,437
−HK$4,755/mo
Today · 4.125%
HK$184,192
baseline
▲ 0.50% · 4.625%
HK$193,901
+HK$9,709/mo
Deposit HK$3.83M · loan HK$34.44M · min. income ≈ HK$368,384/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,626,503 · Scale 2, in force from 26 Feb 2026)