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$86,996
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$89,702
−HK$2,749/mo
Today · 4.125%
HK$92,451
baseline
▲ 0.50% · 4.625%
HK$98,077
+HK$5,626/mo
Deposit HK$19.08M · loan HK$19.08M · min. income ≈ HK$184,902/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,621,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,782
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$99,378
−HK$2,633/mo
Today · 4.125%
HK$102,011
baseline
▲ 0.50% · 4.625%
HK$107,388
+HK$5,377/mo
Deposit HK$19.08M · loan HK$19.08M · min. income ≈ HK$204,022/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,621,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,395
−HK$6,546/mo
▼ 0.25% · 3.875%
HK$107,642
−HK$3,299/mo
Today · 4.125%
HK$110,941
baseline
▲ 0.50% · 4.625%
HK$117,692
+HK$6,751/mo
Deposit HK$15.26M · loan HK$22.89M · min. income ≈ HK$221,882/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,621,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,138
−HK$6,275/mo
▼ 0.25% · 3.875%
HK$119,253
−HK$3,160/mo
Today · 4.125%
HK$122,413
baseline
▲ 0.50% · 4.625%
HK$128,866
+HK$6,453/mo
Deposit HK$15.26M · loan HK$22.89M · min. income ≈ HK$244,826/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,621,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,794
−HK$7,638/mo
▼ 0.25% · 3.875%
HK$125,583
−HK$3,849/mo
Today · 4.125%
HK$129,432
baseline
▲ 0.50% · 4.625%
HK$137,307
+HK$7,875/mo
Deposit HK$11.45M · loan HK$26.71M · min. income ≈ HK$258,864/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,621,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,495
−HK$7,320/mo
▼ 0.25% · 3.875%
HK$139,129
−HK$3,686/mo
Today · 4.125%
HK$142,815
baseline
▲ 0.50% · 4.625%
HK$150,343
+HK$7,528/mo
Deposit HK$11.45M · loan HK$26.71M · min. income ≈ HK$285,630/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,621,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,592
−HK$9,820/mo
▼ 0.25% · 3.875%
HK$161,463
−HK$4,949/mo
Today · 4.125%
HK$166,412
baseline
▲ 0.50% · 4.625%
HK$176,538
+HK$10,126/mo
Deposit HK$3.82M · loan HK$34.34M · min. income ≈ HK$332,824/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,621,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,208
−HK$9,411/mo
▼ 0.25% · 3.875%
HK$178,880
−HK$4,739/mo
Today · 4.125%
HK$183,619
baseline
▲ 0.50% · 4.625%
HK$193,298
+HK$9,679/mo
Deposit HK$3.82M · loan HK$34.34M · min. income ≈ HK$367,238/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,621,451 · Scale 2, in force from 26 Feb 2026)