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$86,768
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$89,467
−HK$2,742/mo
Today · 4.125%
HK$92,209
baseline
▲ 0.50% · 4.625%
HK$97,820
+HK$5,611/mo
Deposit HK$19.03M · loan HK$19.03M · min. income ≈ HK$184,418/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$1,617,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,529
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$99,117
−HK$2,627/mo
Today · 4.125%
HK$101,744
baseline
▲ 0.50% · 4.625%
HK$107,107
+HK$5,363/mo
Deposit HK$19.03M · loan HK$19.03M · min. income ≈ HK$203,488/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$1,617,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,122
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$107,360
−HK$3,291/mo
Today · 4.125%
HK$110,651
baseline
▲ 0.50% · 4.625%
HK$117,384
+HK$6,733/mo
Deposit HK$15.22M · loan HK$22.83M · min. income ≈ HK$221,302/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,617,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,834
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$118,941
−HK$3,151/mo
Today · 4.125%
HK$122,092
baseline
▲ 0.50% · 4.625%
HK$128,528
+HK$6,436/mo
Deposit HK$15.22M · loan HK$22.83M · min. income ≈ HK$244,184/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,617,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,475
−HK$7,618/mo
▼ 0.25% · 3.875%
HK$125,254
−HK$3,839/mo
Today · 4.125%
HK$129,093
baseline
▲ 0.50% · 4.625%
HK$136,948
+HK$7,855/mo
Deposit HK$11.42M · loan HK$26.64M · min. income ≈ HK$258,186/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,617,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,140
−HK$7,301/mo
▼ 0.25% · 3.875%
HK$138,764
−HK$3,677/mo
Today · 4.125%
HK$142,441
baseline
▲ 0.50% · 4.625%
HK$149,949
+HK$7,508/mo
Deposit HK$11.42M · loan HK$26.64M · min. income ≈ HK$284,882/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,617,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,182
−HK$9,794/mo
▼ 0.25% · 3.875%
HK$161,041
−HK$4,935/mo
Today · 4.125%
HK$165,976
baseline
▲ 0.50% · 4.625%
HK$176,076
+HK$10,100/mo
Deposit HK$3.81M · loan HK$34.25M · min. income ≈ HK$331,952/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,617,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,751
−HK$9,388/mo
▼ 0.25% · 3.875%
HK$178,411
−HK$4,728/mo
Today · 4.125%
HK$183,139
baseline
▲ 0.50% · 4.625%
HK$192,792
+HK$9,653/mo
Deposit HK$3.81M · loan HK$34.25M · min. income ≈ HK$366,278/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,617,204 · Scale 2, in force from 26 Feb 2026)