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$87,701
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$90,429
−HK$2,772/mo
Today · 4.125%
HK$93,201
baseline
▲ 0.50% · 4.625%
HK$98,872
+HK$5,671/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$186,402/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,634,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,566
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$100,183
−HK$2,655/mo
Today · 4.125%
HK$102,838
baseline
▲ 0.50% · 4.625%
HK$108,258
+HK$5,420/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$205,676/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,634,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,241
−HK$6,600/mo
▼ 0.25% · 3.875%
HK$108,515
−HK$3,326/mo
Today · 4.125%
HK$111,841
baseline
▲ 0.50% · 4.625%
HK$118,646
+HK$6,805/mo
Deposit HK$15.38M · loan HK$23.08M · min. income ≈ HK$223,682/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,080
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$120,220
−HK$3,185/mo
Today · 4.125%
HK$123,405
baseline
▲ 0.50% · 4.625%
HK$129,910
+HK$6,505/mo
Deposit HK$15.38M · loan HK$23.08M · min. income ≈ HK$246,810/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,781
−HK$7,700/mo
▼ 0.25% · 3.875%
HK$126,601
−HK$3,880/mo
Today · 4.125%
HK$130,481
baseline
▲ 0.50% · 4.625%
HK$138,420
+HK$7,939/mo
Deposit HK$11.54M · loan HK$26.92M · min. income ≈ HK$260,962/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,593
−HK$7,380/mo
▼ 0.25% · 3.875%
HK$140,256
−HK$3,717/mo
Today · 4.125%
HK$143,973
baseline
▲ 0.50% · 4.625%
HK$151,562
+HK$7,589/mo
Deposit HK$11.54M · loan HK$26.92M · min. income ≈ HK$287,946/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,862
−HK$9,899/mo
▼ 0.25% · 3.875%
HK$162,772
−HK$4,989/mo
Today · 4.125%
HK$167,761
baseline
▲ 0.50% · 4.625%
HK$177,969
+HK$10,208/mo
Deposit HK$3.85M · loan HK$34.61M · min. income ≈ HK$335,522/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,620
−HK$9,488/mo
▼ 0.25% · 3.875%
HK$180,330
−HK$4,778/mo
Today · 4.125%
HK$185,108
baseline
▲ 0.50% · 4.625%
HK$194,865
+HK$9,757/mo
Deposit HK$3.85M · loan HK$34.61M · min. income ≈ HK$370,216/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,594 · Scale 2, in force from 26 Feb 2026)