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$87,782
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$90,512
−HK$2,774/mo
Today · 4.125%
HK$93,286
baseline
▲ 0.50% · 4.625%
HK$98,963
+HK$5,677/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$186,572/mo (50% DSR)
Upfront cash ≈ HK$20.88M (deposit + AVD stamp duty HK$1,636,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,656
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$100,275
−HK$2,657/mo
Today · 4.125%
HK$102,932
baseline
▲ 0.50% · 4.625%
HK$108,358
+HK$5,426/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$205,864/mo (50% DSR)
Upfront cash ≈ HK$20.88M (deposit + AVD stamp duty HK$1,636,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,338
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$108,615
−HK$3,329/mo
Today · 4.125%
HK$111,944
baseline
▲ 0.50% · 4.625%
HK$118,755
+HK$6,811/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$223,888/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,636,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,187
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$120,330
−HK$3,189/mo
Today · 4.125%
HK$123,519
baseline
▲ 0.50% · 4.625%
HK$130,030
+HK$6,511/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$247,038/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,636,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,894
−HK$7,707/mo
▼ 0.25% · 3.875%
HK$126,717
−HK$3,884/mo
Today · 4.125%
HK$130,601
baseline
▲ 0.50% · 4.625%
HK$138,548
+HK$7,947/mo
Deposit HK$11.55M · loan HK$26.95M · min. income ≈ HK$261,202/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,719
−HK$7,386/mo
▼ 0.25% · 3.875%
HK$140,385
−HK$3,720/mo
Today · 4.125%
HK$144,105
baseline
▲ 0.50% · 4.625%
HK$151,701
+HK$7,596/mo
Deposit HK$11.55M · loan HK$26.95M · min. income ≈ HK$288,210/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,007
−HK$9,908/mo
▼ 0.25% · 3.875%
HK$162,922
−HK$4,993/mo
Today · 4.125%
HK$167,915
baseline
▲ 0.50% · 4.625%
HK$178,133
+HK$10,218/mo
Deposit HK$3.85M · loan HK$34.65M · min. income ≈ HK$335,830/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,781
−HK$9,497/mo
▼ 0.25% · 3.875%
HK$180,495
−HK$4,783/mo
Today · 4.125%
HK$185,278
baseline
▲ 0.50% · 4.625%
HK$195,044
+HK$9,766/mo
Deposit HK$3.85M · loan HK$34.65M · min. income ≈ HK$370,556/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,097 · Scale 2, in force from 26 Feb 2026)