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$87,811
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$90,542
−HK$2,776/mo
Today · 4.125%
HK$93,318
baseline
▲ 0.50% · 4.625%
HK$98,996
+HK$5,678/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$186,636/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,689
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$100,309
−HK$2,658/mo
Today · 4.125%
HK$102,967
baseline
▲ 0.50% · 4.625%
HK$108,394
+HK$5,427/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$205,934/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,373
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$108,651
−HK$3,330/mo
Today · 4.125%
HK$111,981
baseline
▲ 0.50% · 4.625%
HK$118,795
+HK$6,814/mo
Deposit HK$15.40M · loan HK$23.11M · min. income ≈ HK$223,962/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,227
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$120,371
−HK$3,189/mo
Today · 4.125%
HK$123,560
baseline
▲ 0.50% · 4.625%
HK$130,073
+HK$6,513/mo
Deposit HK$15.40M · loan HK$23.11M · min. income ≈ HK$247,120/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,935
−HK$7,710/mo
▼ 0.25% · 3.875%
HK$126,759
−HK$3,886/mo
Today · 4.125%
HK$130,645
baseline
▲ 0.50% · 4.625%
HK$138,594
+HK$7,949/mo
Deposit HK$11.55M · loan HK$26.96M · min. income ≈ HK$261,290/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,764
−HK$7,389/mo
▼ 0.25% · 3.875%
HK$140,432
−HK$3,721/mo
Today · 4.125%
HK$144,153
baseline
▲ 0.50% · 4.625%
HK$151,752
+HK$7,599/mo
Deposit HK$11.55M · loan HK$26.96M · min. income ≈ HK$288,306/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,060
−HK$9,912/mo
▼ 0.25% · 3.875%
HK$162,976
−HK$4,996/mo
Today · 4.125%
HK$167,972
baseline
▲ 0.50% · 4.625%
HK$178,192
+HK$10,220/mo
Deposit HK$3.85M · loan HK$34.66M · min. income ≈ HK$335,944/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,840
−HK$9,500/mo
▼ 0.25% · 3.875%
HK$180,556
−HK$4,784/mo
Today · 4.125%
HK$185,340
baseline
▲ 0.50% · 4.625%
HK$195,110
+HK$9,770/mo
Deposit HK$3.85M · loan HK$34.66M · min. income ≈ HK$370,680/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,644 · Scale 2, in force from 26 Feb 2026)