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$87,828
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$90,560
−HK$2,775/mo
Today · 4.125%
HK$93,335
baseline
▲ 0.50% · 4.625%
HK$99,014
+HK$5,679/mo
Deposit HK$19.26M · loan HK$19.26M · min. income ≈ HK$186,670/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$1,636,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,707
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$100,328
−HK$2,658/mo
Today · 4.125%
HK$102,986
baseline
▲ 0.50% · 4.625%
HK$108,415
+HK$5,429/mo
Deposit HK$19.26M · loan HK$19.26M · min. income ≈ HK$205,972/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$1,636,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,393
−HK$6,609/mo
▼ 0.25% · 3.875%
HK$108,671
−HK$3,331/mo
Today · 4.125%
HK$112,002
baseline
▲ 0.50% · 4.625%
HK$118,817
+HK$6,815/mo
Deposit HK$15.41M · loan HK$23.11M · min. income ≈ HK$224,004/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,249
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$120,393
−HK$3,190/mo
Today · 4.125%
HK$123,583
baseline
▲ 0.50% · 4.625%
HK$130,098
+HK$6,515/mo
Deposit HK$15.41M · loan HK$23.11M · min. income ≈ HK$247,166/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,959
−HK$7,710/mo
▼ 0.25% · 3.875%
HK$126,783
−HK$3,886/mo
Today · 4.125%
HK$130,669
baseline
▲ 0.50% · 4.625%
HK$138,620
+HK$7,951/mo
Deposit HK$11.55M · loan HK$26.96M · min. income ≈ HK$261,338/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,790
−HK$7,391/mo
▼ 0.25% · 3.875%
HK$140,459
−HK$3,722/mo
Today · 4.125%
HK$144,181
baseline
▲ 0.50% · 4.625%
HK$151,781
+HK$7,600/mo
Deposit HK$11.55M · loan HK$26.96M · min. income ≈ HK$288,362/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,090
−HK$9,913/mo
▼ 0.25% · 3.875%
HK$163,007
−HK$4,996/mo
Today · 4.125%
HK$168,003
baseline
▲ 0.50% · 4.625%
HK$178,226
+HK$10,223/mo
Deposit HK$3.85M · loan HK$34.66M · min. income ≈ HK$336,006/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,873
−HK$9,502/mo
▼ 0.25% · 3.875%
HK$180,590
−HK$4,785/mo
Today · 4.125%
HK$185,375
baseline
▲ 0.50% · 4.625%
HK$195,146
+HK$9,771/mo
Deposit HK$3.85M · loan HK$34.66M · min. income ≈ HK$370,750/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,954 · Scale 2, in force from 26 Feb 2026)