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$87,138
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$89,849
−HK$2,754/mo
Today · 4.125%
HK$92,603
baseline
▲ 0.50% · 4.625%
HK$98,237
+HK$5,634/mo
Deposit HK$19.11M · loan HK$19.11M · min. income ≈ HK$185,206/mo (50% DSR)
Upfront cash ≈ HK$20.73M (deposit + AVD stamp duty HK$1,624,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,941
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$99,540
−HK$2,638/mo
Today · 4.125%
HK$102,178
baseline
▲ 0.50% · 4.625%
HK$107,564
+HK$5,386/mo
Deposit HK$19.11M · loan HK$19.11M · min. income ≈ HK$204,356/mo (50% DSR)
Upfront cash ≈ HK$20.73M (deposit + AVD stamp duty HK$1,624,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,566
−HK$6,557/mo
▼ 0.25% · 3.875%
HK$107,819
−HK$3,304/mo
Today · 4.125%
HK$111,123
baseline
▲ 0.50% · 4.625%
HK$117,885
+HK$6,762/mo
Deposit HK$15.29M · loan HK$22.93M · min. income ≈ HK$222,246/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,624,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,329
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$119,449
−HK$3,165/mo
Today · 4.125%
HK$122,614
baseline
▲ 0.50% · 4.625%
HK$129,077
+HK$6,463/mo
Deposit HK$15.29M · loan HK$22.93M · min. income ≈ HK$245,228/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,624,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,994
−HK$7,650/mo
▼ 0.25% · 3.875%
HK$125,788
−HK$3,856/mo
Today · 4.125%
HK$129,644
baseline
▲ 0.50% · 4.625%
HK$137,532
+HK$7,888/mo
Deposit HK$11.46M · loan HK$26.75M · min. income ≈ HK$259,288/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,717
−HK$7,332/mo
▼ 0.25% · 3.875%
HK$139,357
−HK$3,692/mo
Today · 4.125%
HK$143,049
baseline
▲ 0.50% · 4.625%
HK$150,589
+HK$7,540/mo
Deposit HK$11.46M · loan HK$26.75M · min. income ≈ HK$286,098/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,849
−HK$9,836/mo
▼ 0.25% · 3.875%
HK$161,728
−HK$4,957/mo
Today · 4.125%
HK$166,685
baseline
▲ 0.50% · 4.625%
HK$176,827
+HK$10,142/mo
Deposit HK$3.82M · loan HK$34.39M · min. income ≈ HK$333,370/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,493
−HK$9,427/mo
▼ 0.25% · 3.875%
HK$179,173
−HK$4,747/mo
Today · 4.125%
HK$183,920
baseline
▲ 0.50% · 4.625%
HK$193,615
+HK$9,695/mo
Deposit HK$3.82M · loan HK$34.39M · min. income ≈ HK$367,840/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,108 · Scale 2, in force from 26 Feb 2026)