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$87,706
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$90,434
−HK$2,772/mo
Today · 4.125%
HK$93,206
baseline
▲ 0.50% · 4.625%
HK$98,878
+HK$5,672/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$186,412/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,634,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,572
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$100,189
−HK$2,655/mo
Today · 4.125%
HK$102,844
baseline
▲ 0.50% · 4.625%
HK$108,265
+HK$5,421/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$205,688/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,634,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,248
−HK$6,600/mo
▼ 0.25% · 3.875%
HK$108,521
−HK$3,327/mo
Today · 4.125%
HK$111,848
baseline
▲ 0.50% · 4.625%
HK$118,653
+HK$6,805/mo
Deposit HK$15.39M · loan HK$23.08M · min. income ≈ HK$223,696/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,087
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$120,227
−HK$3,186/mo
Today · 4.125%
HK$123,413
baseline
▲ 0.50% · 4.625%
HK$129,918
+HK$6,505/mo
Deposit HK$15.39M · loan HK$23.08M · min. income ≈ HK$246,826/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,789
−HK$7,700/mo
▼ 0.25% · 3.875%
HK$126,608
−HK$3,881/mo
Today · 4.125%
HK$130,489
baseline
▲ 0.50% · 4.625%
HK$138,429
+HK$7,940/mo
Deposit HK$11.54M · loan HK$26.92M · min. income ≈ HK$260,978/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,601
−HK$7,380/mo
▼ 0.25% · 3.875%
HK$140,265
−HK$3,716/mo
Today · 4.125%
HK$143,981
baseline
▲ 0.50% · 4.625%
HK$151,571
+HK$7,590/mo
Deposit HK$11.54M · loan HK$26.92M · min. income ≈ HK$287,962/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,871
−HK$9,900/mo
▼ 0.25% · 3.875%
HK$162,782
−HK$4,989/mo
Today · 4.125%
HK$167,771
baseline
▲ 0.50% · 4.625%
HK$177,980
+HK$10,209/mo
Deposit HK$3.85M · loan HK$34.62M · min. income ≈ HK$335,542/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,630
−HK$9,489/mo
▼ 0.25% · 3.875%
HK$180,341
−HK$4,778/mo
Today · 4.125%
HK$185,119
baseline
▲ 0.50% · 4.625%
HK$194,877
+HK$9,758/mo
Deposit HK$3.85M · loan HK$34.62M · min. income ≈ HK$370,238/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,693 · Scale 2, in force from 26 Feb 2026)