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$87,878
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$90,611
−HK$2,777/mo
Today · 4.125%
HK$93,388
baseline
▲ 0.50% · 4.625%
HK$99,071
+HK$5,683/mo
Deposit HK$19.27M · loan HK$19.27M · min. income ≈ HK$186,776/mo (50% DSR)
Upfront cash ≈ HK$20.91M (deposit + AVD stamp duty HK$1,637,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,763
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$100,385
−HK$2,660/mo
Today · 4.125%
HK$103,045
baseline
▲ 0.50% · 4.625%
HK$108,476
+HK$5,431/mo
Deposit HK$19.27M · loan HK$19.27M · min. income ≈ HK$206,090/mo (50% DSR)
Upfront cash ≈ HK$20.91M (deposit + AVD stamp duty HK$1,637,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,453
−HK$6,613/mo
▼ 0.25% · 3.875%
HK$108,733
−HK$3,333/mo
Today · 4.125%
HK$112,066
baseline
▲ 0.50% · 4.625%
HK$118,885
+HK$6,819/mo
Deposit HK$15.42M · loan HK$23.12M · min. income ≈ HK$224,132/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,637,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,316
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$120,462
−HK$3,192/mo
Today · 4.125%
HK$123,654
baseline
▲ 0.50% · 4.625%
HK$130,172
+HK$6,518/mo
Deposit HK$15.42M · loan HK$23.12M · min. income ≈ HK$247,308/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,637,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,029
−HK$7,715/mo
▼ 0.25% · 3.875%
HK$126,856
−HK$3,888/mo
Today · 4.125%
HK$130,744
baseline
▲ 0.50% · 4.625%
HK$138,699
+HK$7,955/mo
Deposit HK$11.56M · loan HK$26.98M · min. income ≈ HK$261,488/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,637,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,868
−HK$7,395/mo
▼ 0.25% · 3.875%
HK$140,539
−HK$3,724/mo
Today · 4.125%
HK$144,263
baseline
▲ 0.50% · 4.625%
HK$151,867
+HK$7,604/mo
Deposit HK$11.56M · loan HK$26.98M · min. income ≈ HK$288,526/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,637,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,180
−HK$9,919/mo
▼ 0.25% · 3.875%
HK$163,100
−HK$4,999/mo
Today · 4.125%
HK$168,099
baseline
▲ 0.50% · 4.625%
HK$178,327
+HK$10,228/mo
Deposit HK$3.85M · loan HK$34.68M · min. income ≈ HK$336,198/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,637,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,973
−HK$9,508/mo
▼ 0.25% · 3.875%
HK$180,693
−HK$4,788/mo
Today · 4.125%
HK$185,481
baseline
▲ 0.50% · 4.625%
HK$195,258
+HK$9,777/mo
Deposit HK$3.85M · loan HK$34.68M · min. income ≈ HK$370,962/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,637,886 · Scale 2, in force from 26 Feb 2026)