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$87,791
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$90,521
−HK$2,775/mo
Today · 4.125%
HK$93,296
baseline
▲ 0.50% · 4.625%
HK$98,973
+HK$5,677/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$186,592/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,666
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$100,286
−HK$2,657/mo
Today · 4.125%
HK$102,943
baseline
▲ 0.50% · 4.625%
HK$108,369
+HK$5,426/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$205,886/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,349
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$108,626
−HK$3,329/mo
Today · 4.125%
HK$111,955
baseline
▲ 0.50% · 4.625%
HK$118,767
+HK$6,812/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$223,910/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,199
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$120,343
−HK$3,188/mo
Today · 4.125%
HK$123,531
baseline
▲ 0.50% · 4.625%
HK$130,043
+HK$6,512/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$247,062/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,907
−HK$7,707/mo
▼ 0.25% · 3.875%
HK$126,730
−HK$3,884/mo
Today · 4.125%
HK$130,614
baseline
▲ 0.50% · 4.625%
HK$138,562
+HK$7,948/mo
Deposit HK$11.55M · loan HK$26.95M · min. income ≈ HK$261,228/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,733
−HK$7,387/mo
▼ 0.25% · 3.875%
HK$140,400
−HK$3,720/mo
Today · 4.125%
HK$144,120
baseline
▲ 0.50% · 4.625%
HK$151,717
+HK$7,597/mo
Deposit HK$11.55M · loan HK$26.95M · min. income ≈ HK$288,240/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,023
−HK$9,910/mo
▼ 0.25% · 3.875%
HK$162,939
−HK$4,994/mo
Today · 4.125%
HK$167,933
baseline
▲ 0.50% · 4.625%
HK$178,151
+HK$10,218/mo
Deposit HK$3.85M · loan HK$34.65M · min. income ≈ HK$335,866/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,799
−HK$9,498/mo
▼ 0.25% · 3.875%
HK$180,514
−HK$4,783/mo
Today · 4.125%
HK$185,297
baseline
▲ 0.50% · 4.625%
HK$195,064
+HK$9,767/mo
Deposit HK$3.85M · loan HK$34.65M · min. income ≈ HK$370,594/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,265 · Scale 2, in force from 26 Feb 2026)