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$87,895
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$90,629
−HK$2,777/mo
Today · 4.125%
HK$93,406
baseline
▲ 0.50% · 4.625%
HK$99,090
+HK$5,684/mo
Deposit HK$19.27M · loan HK$19.27M · min. income ≈ HK$186,812/mo (50% DSR)
Upfront cash ≈ HK$20.91M (deposit + AVD stamp duty HK$1,638,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,782
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$100,404
−HK$2,661/mo
Today · 4.125%
HK$103,065
baseline
▲ 0.50% · 4.625%
HK$108,497
+HK$5,432/mo
Deposit HK$19.27M · loan HK$19.27M · min. income ≈ HK$206,130/mo (50% DSR)
Upfront cash ≈ HK$20.91M (deposit + AVD stamp duty HK$1,638,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,473
−HK$6,615/mo
▼ 0.25% · 3.875%
HK$108,754
−HK$3,334/mo
Today · 4.125%
HK$112,088
baseline
▲ 0.50% · 4.625%
HK$118,908
+HK$6,820/mo
Deposit HK$15.42M · loan HK$23.13M · min. income ≈ HK$224,176/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,638,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,338
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$120,485
−HK$3,193/mo
Today · 4.125%
HK$123,678
baseline
▲ 0.50% · 4.625%
HK$130,197
+HK$6,519/mo
Deposit HK$15.42M · loan HK$23.13M · min. income ≈ HK$247,356/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,638,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,052
−HK$7,717/mo
▼ 0.25% · 3.875%
HK$126,880
−HK$3,889/mo
Today · 4.125%
HK$130,769
baseline
▲ 0.50% · 4.625%
HK$138,726
+HK$7,957/mo
Deposit HK$11.56M · loan HK$26.98M · min. income ≈ HK$261,538/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,638,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,894
−HK$7,396/mo
▼ 0.25% · 3.875%
HK$140,566
−HK$3,724/mo
Today · 4.125%
HK$144,290
baseline
▲ 0.50% · 4.625%
HK$151,896
+HK$7,606/mo
Deposit HK$11.56M · loan HK$26.98M · min. income ≈ HK$288,580/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,638,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,210
−HK$9,921/mo
▼ 0.25% · 3.875%
HK$163,131
−HK$5,000/mo
Today · 4.125%
HK$168,131
baseline
▲ 0.50% · 4.625%
HK$178,362
+HK$10,231/mo
Deposit HK$3.85M · loan HK$34.69M · min. income ≈ HK$336,262/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,638,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,007
−HK$9,509/mo
▼ 0.25% · 3.875%
HK$180,728
−HK$4,788/mo
Today · 4.125%
HK$185,516
baseline
▲ 0.50% · 4.625%
HK$195,295
+HK$9,779/mo
Deposit HK$3.85M · loan HK$34.69M · min. income ≈ HK$371,032/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,638,201 · Scale 2, in force from 26 Feb 2026)