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$87,908
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$90,643
−HK$2,778/mo
Today · 4.125%
HK$93,421
baseline
▲ 0.50% · 4.625%
HK$99,105
+HK$5,684/mo
Deposit HK$19.28M · loan HK$19.28M · min. income ≈ HK$186,842/mo (50% DSR)
Upfront cash ≈ HK$20.91M (deposit + AVD stamp duty HK$1,638,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,797
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$100,420
−HK$2,661/mo
Today · 4.125%
HK$103,081
baseline
▲ 0.50% · 4.625%
HK$108,514
+HK$5,433/mo
Deposit HK$19.28M · loan HK$19.28M · min. income ≈ HK$206,162/mo (50% DSR)
Upfront cash ≈ HK$20.91M (deposit + AVD stamp duty HK$1,638,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,490
−HK$6,615/mo
▼ 0.25% · 3.875%
HK$108,771
−HK$3,334/mo
Today · 4.125%
HK$112,105
baseline
▲ 0.50% · 4.625%
HK$118,926
+HK$6,821/mo
Deposit HK$15.42M · loan HK$23.13M · min. income ≈ HK$224,210/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,638,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,357
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$120,504
−HK$3,193/mo
Today · 4.125%
HK$123,697
baseline
▲ 0.50% · 4.625%
HK$130,217
+HK$6,520/mo
Deposit HK$15.42M · loan HK$23.13M · min. income ≈ HK$247,394/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,638,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,072
−HK$7,717/mo
▼ 0.25% · 3.875%
HK$126,900
−HK$3,889/mo
Today · 4.125%
HK$130,789
baseline
▲ 0.50% · 4.625%
HK$138,748
+HK$7,959/mo
Deposit HK$11.57M · loan HK$26.99M · min. income ≈ HK$261,578/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,638,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,916
−HK$7,397/mo
▼ 0.25% · 3.875%
HK$140,588
−HK$3,725/mo
Today · 4.125%
HK$144,313
baseline
▲ 0.50% · 4.625%
HK$151,920
+HK$7,607/mo
Deposit HK$11.57M · loan HK$26.99M · min. income ≈ HK$288,626/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,638,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,235
−HK$9,923/mo
▼ 0.25% · 3.875%
HK$163,157
−HK$5,001/mo
Today · 4.125%
HK$168,158
baseline
▲ 0.50% · 4.625%
HK$178,390
+HK$10,232/mo
Deposit HK$3.86M · loan HK$34.70M · min. income ≈ HK$336,316/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,638,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,035
−HK$9,510/mo
▼ 0.25% · 3.875%
HK$180,756
−HK$4,789/mo
Today · 4.125%
HK$185,545
baseline
▲ 0.50% · 4.625%
HK$195,326
+HK$9,781/mo
Deposit HK$3.86M · loan HK$34.70M · min. income ≈ HK$371,090/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,638,458 · Scale 2, in force from 26 Feb 2026)