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$86,906
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$89,609
−HK$2,746/mo
Today · 4.125%
HK$92,355
baseline
▲ 0.50% · 4.625%
HK$97,975
+HK$5,620/mo
Deposit HK$19.06M · loan HK$19.06M · min. income ≈ HK$184,710/mo (50% DSR)
Upfront cash ≈ HK$20.68M (deposit + AVD stamp duty HK$1,619,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,682
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$99,275
−HK$2,630/mo
Today · 4.125%
HK$101,905
baseline
▲ 0.50% · 4.625%
HK$107,277
+HK$5,372/mo
Deposit HK$19.06M · loan HK$19.06M · min. income ≈ HK$203,810/mo (50% DSR)
Upfront cash ≈ HK$20.68M (deposit + AVD stamp duty HK$1,619,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,287
−HK$6,539/mo
▼ 0.25% · 3.875%
HK$107,531
−HK$3,295/mo
Today · 4.125%
HK$110,826
baseline
▲ 0.50% · 4.625%
HK$117,570
+HK$6,744/mo
Deposit HK$15.24M · loan HK$22.87M · min. income ≈ HK$221,652/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,619,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,018
−HK$6,268/mo
▼ 0.25% · 3.875%
HK$119,129
−HK$3,157/mo
Today · 4.125%
HK$122,286
baseline
▲ 0.50% · 4.625%
HK$128,732
+HK$6,446/mo
Deposit HK$15.24M · loan HK$22.87M · min. income ≈ HK$244,572/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,619,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,668
−HK$7,629/mo
▼ 0.25% · 3.875%
HK$125,452
−HK$3,845/mo
Today · 4.125%
HK$129,297
baseline
▲ 0.50% · 4.625%
HK$137,165
+HK$7,868/mo
Deposit HK$11.43M · loan HK$26.68M · min. income ≈ HK$258,594/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,619,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,354
−HK$7,313/mo
▼ 0.25% · 3.875%
HK$138,984
−HK$3,683/mo
Today · 4.125%
HK$142,667
baseline
▲ 0.50% · 4.625%
HK$150,187
+HK$7,520/mo
Deposit HK$11.43M · loan HK$26.68M · min. income ≈ HK$285,334/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,619,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,430
−HK$9,810/mo
▼ 0.25% · 3.875%
HK$161,296
−HK$4,944/mo
Today · 4.125%
HK$166,240
baseline
▲ 0.50% · 4.625%
HK$176,355
+HK$10,115/mo
Deposit HK$3.81M · loan HK$34.30M · min. income ≈ HK$332,480/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,619,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,027
−HK$9,402/mo
▼ 0.25% · 3.875%
HK$178,694
−HK$4,735/mo
Today · 4.125%
HK$183,429
baseline
▲ 0.50% · 4.625%
HK$193,098
+HK$9,669/mo
Deposit HK$3.81M · loan HK$34.30M · min. income ≈ HK$366,858/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,619,769 · Scale 2, in force from 26 Feb 2026)