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$87,833
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$90,565
−HK$2,776/mo
Today · 4.125%
HK$93,341
baseline
▲ 0.50% · 4.625%
HK$99,020
+HK$5,679/mo
Deposit HK$19.26M · loan HK$19.26M · min. income ≈ HK$186,682/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$1,637,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,713
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$100,334
−HK$2,658/mo
Today · 4.125%
HK$102,992
baseline
▲ 0.50% · 4.625%
HK$108,421
+HK$5,429/mo
Deposit HK$19.26M · loan HK$19.26M · min. income ≈ HK$205,984/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$1,637,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,399
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$108,678
−HK$3,331/mo
Today · 4.125%
HK$112,009
baseline
▲ 0.50% · 4.625%
HK$118,824
+HK$6,815/mo
Deposit HK$15.41M · loan HK$23.11M · min. income ≈ HK$224,018/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,637,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,256
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$120,400
−HK$3,191/mo
Today · 4.125%
HK$123,591
baseline
▲ 0.50% · 4.625%
HK$130,105
+HK$6,514/mo
Deposit HK$15.41M · loan HK$23.11M · min. income ≈ HK$247,182/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,637,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,966
−HK$7,711/mo
▼ 0.25% · 3.875%
HK$126,791
−HK$3,886/mo
Today · 4.125%
HK$130,677
baseline
▲ 0.50% · 4.625%
HK$138,628
+HK$7,951/mo
Deposit HK$11.56M · loan HK$26.96M · min. income ≈ HK$261,354/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,637,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,798
−HK$7,391/mo
▼ 0.25% · 3.875%
HK$140,467
−HK$3,722/mo
Today · 4.125%
HK$144,189
baseline
▲ 0.50% · 4.625%
HK$151,789
+HK$7,600/mo
Deposit HK$11.56M · loan HK$26.96M · min. income ≈ HK$288,378/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,637,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,099
−HK$9,914/mo
▼ 0.25% · 3.875%
HK$163,017
−HK$4,996/mo
Today · 4.125%
HK$168,013
baseline
▲ 0.50% · 4.625%
HK$178,236
+HK$10,223/mo
Deposit HK$3.85M · loan HK$34.67M · min. income ≈ HK$336,026/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,637,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,883
−HK$9,503/mo
▼ 0.25% · 3.875%
HK$180,600
−HK$4,786/mo
Today · 4.125%
HK$185,386
baseline
▲ 0.50% · 4.625%
HK$195,158
+HK$9,772/mo
Deposit HK$3.85M · loan HK$34.67M · min. income ≈ HK$370,772/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,637,048 · Scale 2, in force from 26 Feb 2026)