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$87,822
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$90,553
−HK$2,776/mo
Today · 4.125%
HK$93,329
baseline
▲ 0.50% · 4.625%
HK$99,008
+HK$5,679/mo
Deposit HK$19.26M · loan HK$19.26M · min. income ≈ HK$186,658/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,701
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$100,321
−HK$2,658/mo
Today · 4.125%
HK$102,979
baseline
▲ 0.50% · 4.625%
HK$108,407
+HK$5,428/mo
Deposit HK$19.26M · loan HK$19.26M · min. income ≈ HK$205,958/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,386
−HK$6,609/mo
▼ 0.25% · 3.875%
HK$108,664
−HK$3,331/mo
Today · 4.125%
HK$111,995
baseline
▲ 0.50% · 4.625%
HK$118,809
+HK$6,814/mo
Deposit HK$15.41M · loan HK$23.11M · min. income ≈ HK$223,990/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,241
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$120,385
−HK$3,190/mo
Today · 4.125%
HK$123,575
baseline
▲ 0.50% · 4.625%
HK$130,089
+HK$6,514/mo
Deposit HK$15.41M · loan HK$23.11M · min. income ≈ HK$247,150/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,950
−HK$7,710/mo
▼ 0.25% · 3.875%
HK$126,775
−HK$3,885/mo
Today · 4.125%
HK$130,660
baseline
▲ 0.50% · 4.625%
HK$138,611
+HK$7,951/mo
Deposit HK$11.55M · loan HK$26.96M · min. income ≈ HK$261,320/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,781
−HK$7,390/mo
▼ 0.25% · 3.875%
HK$140,449
−HK$3,722/mo
Today · 4.125%
HK$144,171
baseline
▲ 0.50% · 4.625%
HK$151,770
+HK$7,599/mo
Deposit HK$11.55M · loan HK$26.96M · min. income ≈ HK$288,342/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,079
−HK$9,913/mo
▼ 0.25% · 3.875%
HK$162,996
−HK$4,996/mo
Today · 4.125%
HK$167,992
baseline
▲ 0.50% · 4.625%
HK$178,214
+HK$10,222/mo
Deposit HK$3.85M · loan HK$34.66M · min. income ≈ HK$335,984/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,861
−HK$9,502/mo
▼ 0.25% · 3.875%
HK$180,578
−HK$4,785/mo
Today · 4.125%
HK$185,363
baseline
▲ 0.50% · 4.625%
HK$195,133
+HK$9,770/mo
Deposit HK$3.85M · loan HK$34.66M · min. income ≈ HK$370,726/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,843 · Scale 2, in force from 26 Feb 2026)