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$88,006
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$90,743
−HK$2,782/mo
Today · 4.125%
HK$93,525
baseline
▲ 0.50% · 4.625%
HK$99,215
+HK$5,690/mo
Deposit HK$19.30M · loan HK$19.30M · min. income ≈ HK$187,050/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$1,640,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,906
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$100,531
−HK$2,664/mo
Today · 4.125%
HK$103,195
baseline
▲ 0.50% · 4.625%
HK$108,635
+HK$5,440/mo
Deposit HK$19.30M · loan HK$19.30M · min. income ≈ HK$206,390/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$1,640,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,607
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$108,892
−HK$3,337/mo
Today · 4.125%
HK$112,229
baseline
▲ 0.50% · 4.625%
HK$119,058
+HK$6,829/mo
Deposit HK$15.44M · loan HK$23.16M · min. income ≈ HK$224,458/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,640,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,487
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$120,638
−HK$3,196/mo
Today · 4.125%
HK$123,834
baseline
▲ 0.50% · 4.625%
HK$130,362
+HK$6,528/mo
Deposit HK$15.44M · loan HK$23.16M · min. income ≈ HK$247,668/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,640,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,208
−HK$7,726/mo
▼ 0.25% · 3.875%
HK$127,041
−HK$3,893/mo
Today · 4.125%
HK$130,934
baseline
▲ 0.50% · 4.625%
HK$138,901
+HK$7,967/mo
Deposit HK$11.58M · loan HK$27.02M · min. income ≈ HK$261,868/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,640,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,068
−HK$7,405/mo
▼ 0.25% · 3.875%
HK$140,744
−HK$3,729/mo
Today · 4.125%
HK$144,473
baseline
▲ 0.50% · 4.625%
HK$152,089
+HK$7,616/mo
Deposit HK$11.58M · loan HK$27.02M · min. income ≈ HK$288,946/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,640,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,410
−HK$9,934/mo
▼ 0.25% · 3.875%
HK$163,338
−HK$5,006/mo
Today · 4.125%
HK$168,344
baseline
▲ 0.50% · 4.625%
HK$178,588
+HK$10,244/mo
Deposit HK$3.86M · loan HK$34.74M · min. income ≈ HK$336,688/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,640,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,230
−HK$9,521/mo
▼ 0.25% · 3.875%
HK$180,956
−HK$4,795/mo
Today · 4.125%
HK$185,751
baseline
▲ 0.50% · 4.625%
HK$195,542
+HK$9,791/mo
Deposit HK$3.86M · loan HK$34.74M · min. income ≈ HK$371,502/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,640,276 · Scale 2, in force from 26 Feb 2026)