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$88,048
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$90,787
−HK$2,782/mo
Today · 4.125%
HK$93,569
baseline
▲ 0.50% · 4.625%
HK$99,263
+HK$5,694/mo
Deposit HK$19.31M · loan HK$19.31M · min. income ≈ HK$187,138/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$1,641,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,952
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$100,579
−HK$2,665/mo
Today · 4.125%
HK$103,244
baseline
▲ 0.50% · 4.625%
HK$108,686
+HK$5,442/mo
Deposit HK$19.31M · loan HK$19.31M · min. income ≈ HK$206,488/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$1,641,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,657
−HK$6,626/mo
▼ 0.25% · 3.875%
HK$108,944
−HK$3,339/mo
Today · 4.125%
HK$112,283
baseline
▲ 0.50% · 4.625%
HK$119,115
+HK$6,832/mo
Deposit HK$15.45M · loan HK$23.17M · min. income ≈ HK$224,566/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,543
−HK$6,350/mo
▼ 0.25% · 3.875%
HK$120,695
−HK$3,198/mo
Today · 4.125%
HK$123,893
baseline
▲ 0.50% · 4.625%
HK$130,424
+HK$6,531/mo
Deposit HK$15.45M · loan HK$23.17M · min. income ≈ HK$247,786/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,267
−HK$7,730/mo
▼ 0.25% · 3.875%
HK$127,101
−HK$3,896/mo
Today · 4.125%
HK$130,997
baseline
▲ 0.50% · 4.625%
HK$138,968
+HK$7,971/mo
Deposit HK$11.58M · loan HK$27.03M · min. income ≈ HK$261,994/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,641,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,133
−HK$7,409/mo
▼ 0.25% · 3.875%
HK$140,811
−HK$3,731/mo
Today · 4.125%
HK$144,542
baseline
▲ 0.50% · 4.625%
HK$152,161
+HK$7,619/mo
Deposit HK$11.58M · loan HK$27.03M · min. income ≈ HK$289,084/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,641,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,486
−HK$9,938/mo
▼ 0.25% · 3.875%
HK$163,416
−HK$5,008/mo
Today · 4.125%
HK$168,424
baseline
▲ 0.50% · 4.625%
HK$178,673
+HK$10,249/mo
Deposit HK$3.86M · loan HK$34.75M · min. income ≈ HK$336,848/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,314
−HK$9,526/mo
▼ 0.25% · 3.875%
HK$181,043
−HK$4,797/mo
Today · 4.125%
HK$185,840
baseline
▲ 0.50% · 4.625%
HK$195,636
+HK$9,796/mo
Deposit HK$3.86M · loan HK$34.75M · min. income ≈ HK$371,680/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,057 · Scale 2, in force from 26 Feb 2026)