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$87,676
−HK$5,498/mo
▼ 0.25% · 3.875%
HK$90,403
−HK$2,771/mo
Today · 4.125%
HK$93,174
baseline
▲ 0.50% · 4.625%
HK$98,843
+HK$5,669/mo
Deposit HK$19.22M · loan HK$19.22M · min. income ≈ HK$186,348/mo (50% DSR)
Upfront cash ≈ HK$20.86M (deposit + AVD stamp duty HK$1,634,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,538
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$100,154
−HK$2,654/mo
Today · 4.125%
HK$102,808
baseline
▲ 0.50% · 4.625%
HK$108,227
+HK$5,419/mo
Deposit HK$19.22M · loan HK$19.22M · min. income ≈ HK$205,616/mo (50% DSR)
Upfront cash ≈ HK$20.86M (deposit + AVD stamp duty HK$1,634,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,211
−HK$6,597/mo
▼ 0.25% · 3.875%
HK$108,483
−HK$3,325/mo
Today · 4.125%
HK$111,808
baseline
▲ 0.50% · 4.625%
HK$118,612
+HK$6,804/mo
Deposit HK$15.38M · loan HK$23.07M · min. income ≈ HK$223,616/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,634,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,046
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$120,185
−HK$3,185/mo
Today · 4.125%
HK$123,370
baseline
▲ 0.50% · 4.625%
HK$129,873
+HK$6,503/mo
Deposit HK$15.38M · loan HK$23.07M · min. income ≈ HK$246,740/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,634,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,746
−HK$7,697/mo
▼ 0.25% · 3.875%
HK$126,564
−HK$3,879/mo
Today · 4.125%
HK$130,443
baseline
▲ 0.50% · 4.625%
HK$138,380
+HK$7,937/mo
Deposit HK$11.53M · loan HK$26.91M · min. income ≈ HK$260,886/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,554
−HK$7,377/mo
▼ 0.25% · 3.875%
HK$140,216
−HK$3,715/mo
Today · 4.125%
HK$143,931
baseline
▲ 0.50% · 4.625%
HK$151,518
+HK$7,587/mo
Deposit HK$11.53M · loan HK$26.91M · min. income ≈ HK$287,862/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,816
−HK$9,897/mo
▼ 0.25% · 3.875%
HK$162,725
−HK$4,988/mo
Today · 4.125%
HK$167,713
baseline
▲ 0.50% · 4.625%
HK$177,918
+HK$10,205/mo
Deposit HK$3.84M · loan HK$34.60M · min. income ≈ HK$335,426/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,569
−HK$9,485/mo
▼ 0.25% · 3.875%
HK$180,278
−HK$4,776/mo
Today · 4.125%
HK$185,054
baseline
▲ 0.50% · 4.625%
HK$194,809
+HK$9,755/mo
Deposit HK$3.84M · loan HK$34.60M · min. income ≈ HK$370,108/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,122 · Scale 2, in force from 26 Feb 2026)