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$86,973
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$89,679
−HK$2,748/mo
Today · 4.125%
HK$92,427
baseline
▲ 0.50% · 4.625%
HK$98,051
+HK$5,624/mo
Deposit HK$19.07M · loan HK$19.07M · min. income ≈ HK$184,854/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$1,621,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,757
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$99,352
−HK$2,633/mo
Today · 4.125%
HK$101,985
baseline
▲ 0.50% · 4.625%
HK$107,360
+HK$5,375/mo
Deposit HK$19.07M · loan HK$19.07M · min. income ≈ HK$203,970/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$1,621,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,368
−HK$6,545/mo
▼ 0.25% · 3.875%
HK$107,615
−HK$3,298/mo
Today · 4.125%
HK$110,913
baseline
▲ 0.50% · 4.625%
HK$117,662
+HK$6,749/mo
Deposit HK$15.26M · loan HK$22.89M · min. income ≈ HK$221,826/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,621,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,109
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$119,223
−HK$3,159/mo
Today · 4.125%
HK$122,382
baseline
▲ 0.50% · 4.625%
HK$128,832
+HK$6,450/mo
Deposit HK$15.26M · loan HK$22.89M · min. income ≈ HK$244,764/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,621,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,763
−HK$7,635/mo
▼ 0.25% · 3.875%
HK$125,550
−HK$3,848/mo
Today · 4.125%
HK$129,398
baseline
▲ 0.50% · 4.625%
HK$137,272
+HK$7,874/mo
Deposit HK$11.44M · loan HK$26.70M · min. income ≈ HK$258,796/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,621,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,460
−HK$7,318/mo
▼ 0.25% · 3.875%
HK$139,093
−HK$3,685/mo
Today · 4.125%
HK$142,778
baseline
▲ 0.50% · 4.625%
HK$150,304
+HK$7,526/mo
Deposit HK$11.44M · loan HK$26.70M · min. income ≈ HK$285,556/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,621,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,552
−HK$9,817/mo
▼ 0.25% · 3.875%
HK$161,422
−HK$4,947/mo
Today · 4.125%
HK$166,369
baseline
▲ 0.50% · 4.625%
HK$176,493
+HK$10,124/mo
Deposit HK$3.81M · loan HK$34.33M · min. income ≈ HK$332,738/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,621,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,163
−HK$9,409/mo
▼ 0.25% · 3.875%
HK$178,834
−HK$4,738/mo
Today · 4.125%
HK$183,572
baseline
▲ 0.50% · 4.625%
HK$193,249
+HK$9,677/mo
Deposit HK$3.81M · loan HK$34.33M · min. income ≈ HK$367,144/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,621,034 · Scale 2, in force from 26 Feb 2026)