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$86,719
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$89,417
−HK$2,740/mo
Today · 4.125%
HK$92,157
baseline
▲ 0.50% · 4.625%
HK$97,765
+HK$5,608/mo
Deposit HK$19.02M · loan HK$19.02M · min. income ≈ HK$184,314/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,616,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,474
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$99,062
−HK$2,625/mo
Today · 4.125%
HK$101,687
baseline
▲ 0.50% · 4.625%
HK$107,047
+HK$5,360/mo
Deposit HK$19.02M · loan HK$19.02M · min. income ≈ HK$203,374/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,616,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,063
−HK$6,526/mo
▼ 0.25% · 3.875%
HK$107,300
−HK$3,289/mo
Today · 4.125%
HK$110,589
baseline
▲ 0.50% · 4.625%
HK$117,318
+HK$6,729/mo
Deposit HK$15.21M · loan HK$22.82M · min. income ≈ HK$221,178/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,616,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,769
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$118,874
−HK$3,150/mo
Today · 4.125%
HK$122,024
baseline
▲ 0.50% · 4.625%
HK$128,456
+HK$6,432/mo
Deposit HK$15.21M · loan HK$22.82M · min. income ≈ HK$244,048/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,616,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,407
−HK$7,613/mo
▼ 0.25% · 3.875%
HK$125,184
−HK$3,836/mo
Today · 4.125%
HK$129,020
baseline
▲ 0.50% · 4.625%
HK$136,871
+HK$7,851/mo
Deposit HK$11.41M · loan HK$26.62M · min. income ≈ HK$258,040/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,616,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,064
−HK$7,297/mo
▼ 0.25% · 3.875%
HK$138,687
−HK$3,674/mo
Today · 4.125%
HK$142,361
baseline
▲ 0.50% · 4.625%
HK$149,865
+HK$7,504/mo
Deposit HK$11.41M · loan HK$26.62M · min. income ≈ HK$284,722/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,616,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,095
−HK$9,788/mo
▼ 0.25% · 3.875%
HK$160,950
−HK$4,933/mo
Today · 4.125%
HK$165,883
baseline
▲ 0.50% · 4.625%
HK$175,977
+HK$10,094/mo
Deposit HK$3.80M · loan HK$34.23M · min. income ≈ HK$331,766/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,616,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,654
−HK$9,382/mo
▼ 0.25% · 3.875%
HK$178,311
−HK$4,725/mo
Today · 4.125%
HK$183,036
baseline
▲ 0.50% · 4.625%
HK$192,684
+HK$9,648/mo
Deposit HK$3.80M · loan HK$34.23M · min. income ≈ HK$366,072/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,616,298 · Scale 2, in force from 26 Feb 2026)