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$87,751
−HK$5,503/mo
▼ 0.25% · 3.875%
HK$90,481
−HK$2,773/mo
Today · 4.125%
HK$93,254
baseline
▲ 0.50% · 4.625%
HK$98,928
+HK$5,674/mo
Deposit HK$19.24M · loan HK$19.24M · min. income ≈ HK$186,508/mo (50% DSR)
Upfront cash ≈ HK$20.88M (deposit + AVD stamp duty HK$1,635,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,622
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$100,240
−HK$2,656/mo
Today · 4.125%
HK$102,896
baseline
▲ 0.50% · 4.625%
HK$108,320
+HK$5,424/mo
Deposit HK$19.24M · loan HK$19.24M · min. income ≈ HK$205,792/mo (50% DSR)
Upfront cash ≈ HK$20.88M (deposit + AVD stamp duty HK$1,635,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,301
−HK$6,603/mo
▼ 0.25% · 3.875%
HK$108,577
−HK$3,327/mo
Today · 4.125%
HK$111,904
baseline
▲ 0.50% · 4.625%
HK$118,714
+HK$6,810/mo
Deposit HK$15.39M · loan HK$23.09M · min. income ≈ HK$223,808/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,635,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,146
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$120,288
−HK$3,188/mo
Today · 4.125%
HK$123,476
baseline
▲ 0.50% · 4.625%
HK$129,984
+HK$6,508/mo
Deposit HK$15.39M · loan HK$23.09M · min. income ≈ HK$246,952/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,635,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,851
−HK$7,704/mo
▼ 0.25% · 3.875%
HK$126,673
−HK$3,882/mo
Today · 4.125%
HK$130,555
baseline
▲ 0.50% · 4.625%
HK$138,499
+HK$7,944/mo
Deposit HK$11.54M · loan HK$26.94M · min. income ≈ HK$261,110/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,635,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,671
−HK$7,384/mo
▼ 0.25% · 3.875%
HK$140,336
−HK$3,719/mo
Today · 4.125%
HK$144,055
baseline
▲ 0.50% · 4.625%
HK$151,648
+HK$7,593/mo
Deposit HK$11.54M · loan HK$26.94M · min. income ≈ HK$288,110/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,635,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,952
−HK$9,905/mo
▼ 0.25% · 3.875%
HK$162,865
−HK$4,992/mo
Today · 4.125%
HK$167,857
baseline
▲ 0.50% · 4.625%
HK$178,070
+HK$10,213/mo
Deposit HK$3.85M · loan HK$34.63M · min. income ≈ HK$335,714/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,635,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,720
−HK$9,493/mo
▼ 0.25% · 3.875%
HK$180,432
−HK$4,781/mo
Today · 4.125%
HK$185,213
baseline
▲ 0.50% · 4.625%
HK$194,976
+HK$9,763/mo
Deposit HK$3.85M · loan HK$34.63M · min. income ≈ HK$370,426/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,635,525 · Scale 2, in force from 26 Feb 2026)