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$86,756
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$89,455
−HK$2,741/mo
Today · 4.125%
HK$92,196
baseline
▲ 0.50% · 4.625%
HK$97,806
+HK$5,610/mo
Deposit HK$19.02M · loan HK$19.02M · min. income ≈ HK$184,392/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$1,616,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,515
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$99,104
−HK$2,626/mo
Today · 4.125%
HK$101,730
baseline
▲ 0.50% · 4.625%
HK$107,092
+HK$5,362/mo
Deposit HK$19.02M · loan HK$19.02M · min. income ≈ HK$203,460/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$1,616,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,107
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$107,346
−HK$3,290/mo
Today · 4.125%
HK$110,636
baseline
▲ 0.50% · 4.625%
HK$117,368
+HK$6,732/mo
Deposit HK$15.22M · loan HK$22.83M · min. income ≈ HK$221,272/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,616,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,818
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$118,924
−HK$3,152/mo
Today · 4.125%
HK$122,076
baseline
▲ 0.50% · 4.625%
HK$128,510
+HK$6,434/mo
Deposit HK$15.22M · loan HK$22.83M · min. income ≈ HK$244,152/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,616,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,458
−HK$7,617/mo
▼ 0.25% · 3.875%
HK$125,237
−HK$3,838/mo
Today · 4.125%
HK$129,075
baseline
▲ 0.50% · 4.625%
HK$136,929
+HK$7,854/mo
Deposit HK$11.41M · loan HK$26.63M · min. income ≈ HK$258,150/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,616,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,121
−HK$7,301/mo
▼ 0.25% · 3.875%
HK$138,745
−HK$3,677/mo
Today · 4.125%
HK$142,422
baseline
▲ 0.50% · 4.625%
HK$149,929
+HK$7,507/mo
Deposit HK$11.41M · loan HK$26.63M · min. income ≈ HK$284,844/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,616,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,161
−HK$9,793/mo
▼ 0.25% · 3.875%
HK$161,018
−HK$4,936/mo
Today · 4.125%
HK$165,954
baseline
▲ 0.50% · 4.625%
HK$176,051
+HK$10,097/mo
Deposit HK$3.80M · loan HK$34.24M · min. income ≈ HK$331,908/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,616,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,727
−HK$9,386/mo
▼ 0.25% · 3.875%
HK$178,387
−HK$4,726/mo
Today · 4.125%
HK$183,113
baseline
▲ 0.50% · 4.625%
HK$192,766
+HK$9,653/mo
Deposit HK$3.80M · loan HK$34.24M · min. income ≈ HK$366,226/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,616,982 · Scale 2, in force from 26 Feb 2026)