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$87,088
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$89,797
−HK$2,752/mo
Today · 4.125%
HK$92,549
baseline
▲ 0.50% · 4.625%
HK$98,180
+HK$5,631/mo
Deposit HK$19.10M · loan HK$19.10M · min. income ≈ HK$185,098/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$1,623,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,884
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$99,482
−HK$2,636/mo
Today · 4.125%
HK$102,118
baseline
▲ 0.50% · 4.625%
HK$107,501
+HK$5,383/mo
Deposit HK$19.10M · loan HK$19.10M · min. income ≈ HK$204,236/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$1,623,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,505
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$107,756
−HK$3,303/mo
Today · 4.125%
HK$111,059
baseline
▲ 0.50% · 4.625%
HK$117,816
+HK$6,757/mo
Deposit HK$15.28M · loan HK$22.92M · min. income ≈ HK$222,118/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,623,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,261
−HK$6,281/mo
▼ 0.25% · 3.875%
HK$119,379
−HK$3,163/mo
Today · 4.125%
HK$122,542
baseline
▲ 0.50% · 4.625%
HK$129,001
+HK$6,459/mo
Deposit HK$15.28M · loan HK$22.92M · min. income ≈ HK$245,084/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,623,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,923
−HK$7,645/mo
▼ 0.25% · 3.875%
HK$125,715
−HK$3,853/mo
Today · 4.125%
HK$129,568
baseline
▲ 0.50% · 4.625%
HK$137,452
+HK$7,884/mo
Deposit HK$11.46M · loan HK$26.73M · min. income ≈ HK$259,136/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,623,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,638
−HK$7,328/mo
▼ 0.25% · 3.875%
HK$139,275
−HK$3,691/mo
Today · 4.125%
HK$142,966
baseline
▲ 0.50% · 4.625%
HK$150,502
+HK$7,536/mo
Deposit HK$11.46M · loan HK$26.73M · min. income ≈ HK$285,932/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,623,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,758
−HK$9,830/mo
▼ 0.25% · 3.875%
HK$161,634
−HK$4,954/mo
Today · 4.125%
HK$166,588
baseline
▲ 0.50% · 4.625%
HK$176,724
+HK$10,136/mo
Deposit HK$3.82M · loan HK$34.37M · min. income ≈ HK$333,176/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,623,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,391
−HK$9,422/mo
▼ 0.25% · 3.875%
HK$179,068
−HK$4,745/mo
Today · 4.125%
HK$183,813
baseline
▲ 0.50% · 4.625%
HK$193,502
+HK$9,689/mo
Deposit HK$3.82M · loan HK$34.37M · min. income ≈ HK$367,626/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,623,161 · Scale 2, in force from 26 Feb 2026)