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$87,717
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$90,445
−HK$2,773/mo
Today · 4.125%
HK$93,218
baseline
▲ 0.50% · 4.625%
HK$98,890
+HK$5,672/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$186,436/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,634,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,584
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$100,201
−HK$2,655/mo
Today · 4.125%
HK$102,856
baseline
▲ 0.50% · 4.625%
HK$108,278
+HK$5,422/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$205,712/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,634,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,260
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$108,534
−HK$3,327/mo
Today · 4.125%
HK$111,861
baseline
▲ 0.50% · 4.625%
HK$118,668
+HK$6,807/mo
Deposit HK$15.39M · loan HK$23.08M · min. income ≈ HK$223,722/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,101
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$120,242
−HK$3,186/mo
Today · 4.125%
HK$123,428
baseline
▲ 0.50% · 4.625%
HK$129,934
+HK$6,506/mo
Deposit HK$15.39M · loan HK$23.08M · min. income ≈ HK$246,856/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,804
−HK$7,701/mo
▼ 0.25% · 3.875%
HK$126,624
−HK$3,881/mo
Today · 4.125%
HK$130,505
baseline
▲ 0.50% · 4.625%
HK$138,445
+HK$7,940/mo
Deposit HK$11.54M · loan HK$26.93M · min. income ≈ HK$261,010/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,634,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,618
−HK$7,381/mo
▼ 0.25% · 3.875%
HK$140,282
−HK$3,717/mo
Today · 4.125%
HK$143,999
baseline
▲ 0.50% · 4.625%
HK$151,589
+HK$7,590/mo
Deposit HK$11.54M · loan HK$26.93M · min. income ≈ HK$287,998/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,634,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,890
−HK$9,902/mo
▼ 0.25% · 3.875%
HK$162,802
−HK$4,990/mo
Today · 4.125%
HK$167,792
baseline
▲ 0.50% · 4.625%
HK$178,001
+HK$10,209/mo
Deposit HK$3.85M · loan HK$34.62M · min. income ≈ HK$335,584/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,652
−HK$9,489/mo
▼ 0.25% · 3.875%
HK$180,362
−HK$4,779/mo
Today · 4.125%
HK$185,141
baseline
▲ 0.50% · 4.625%
HK$194,901
+HK$9,760/mo
Deposit HK$3.85M · loan HK$34.62M · min. income ≈ HK$370,282/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,891 · Scale 2, in force from 26 Feb 2026)