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$87,089
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$89,798
−HK$2,752/mo
Today · 4.125%
HK$92,550
baseline
▲ 0.50% · 4.625%
HK$98,182
+HK$5,632/mo
Deposit HK$19.10M · loan HK$19.10M · min. income ≈ HK$185,100/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$1,623,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,886
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$99,484
−HK$2,636/mo
Today · 4.125%
HK$102,120
baseline
▲ 0.50% · 4.625%
HK$107,503
+HK$5,383/mo
Deposit HK$19.10M · loan HK$19.10M · min. income ≈ HK$204,240/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$1,623,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,507
−HK$6,553/mo
▼ 0.25% · 3.875%
HK$107,758
−HK$3,302/mo
Today · 4.125%
HK$111,060
baseline
▲ 0.50% · 4.625%
HK$117,818
+HK$6,758/mo
Deposit HK$15.28M · loan HK$22.92M · min. income ≈ HK$222,120/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,623,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,263
−HK$6,281/mo
▼ 0.25% · 3.875%
HK$119,381
−HK$3,163/mo
Today · 4.125%
HK$122,544
baseline
▲ 0.50% · 4.625%
HK$129,004
+HK$6,460/mo
Deposit HK$15.28M · loan HK$22.92M · min. income ≈ HK$245,088/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,623,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,925
−HK$7,645/mo
▼ 0.25% · 3.875%
HK$125,717
−HK$3,853/mo
Today · 4.125%
HK$129,570
baseline
▲ 0.50% · 4.625%
HK$137,455
+HK$7,885/mo
Deposit HK$11.46M · loan HK$26.73M · min. income ≈ HK$259,140/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,623,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,640
−HK$7,328/mo
▼ 0.25% · 3.875%
HK$139,278
−HK$3,690/mo
Today · 4.125%
HK$142,968
baseline
▲ 0.50% · 4.625%
HK$150,504
+HK$7,536/mo
Deposit HK$11.46M · loan HK$26.73M · min. income ≈ HK$285,936/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,623,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,760
−HK$9,831/mo
▼ 0.25% · 3.875%
HK$161,636
−HK$4,955/mo
Today · 4.125%
HK$166,591
baseline
▲ 0.50% · 4.625%
HK$176,727
+HK$10,136/mo
Deposit HK$3.82M · loan HK$34.37M · min. income ≈ HK$333,182/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,623,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,394
−HK$9,422/mo
▼ 0.25% · 3.875%
HK$179,071
−HK$4,745/mo
Today · 4.125%
HK$183,816
baseline
▲ 0.50% · 4.625%
HK$193,505
+HK$9,689/mo
Deposit HK$3.82M · loan HK$34.37M · min. income ≈ HK$367,632/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,623,189 · Scale 2, in force from 26 Feb 2026)