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$87,700
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$90,428
−HK$2,772/mo
Today · 4.125%
HK$93,200
baseline
▲ 0.50% · 4.625%
HK$98,871
+HK$5,671/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$186,400/mo (50% DSR)
Upfront cash ≈ HK$20.86M (deposit + AVD stamp duty HK$1,634,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,566
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$100,183
−HK$2,654/mo
Today · 4.125%
HK$102,837
baseline
▲ 0.50% · 4.625%
HK$108,258
+HK$5,421/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$205,674/mo (50% DSR)
Upfront cash ≈ HK$20.86M (deposit + AVD stamp duty HK$1,634,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,241
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$108,514
−HK$3,326/mo
Today · 4.125%
HK$111,840
baseline
▲ 0.50% · 4.625%
HK$118,645
+HK$6,805/mo
Deposit HK$15.38M · loan HK$23.08M · min. income ≈ HK$223,680/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,079
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$120,219
−HK$3,185/mo
Today · 4.125%
HK$123,404
baseline
▲ 0.50% · 4.625%
HK$129,909
+HK$6,505/mo
Deposit HK$15.38M · loan HK$23.08M · min. income ≈ HK$246,808/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,781
−HK$7,699/mo
▼ 0.25% · 3.875%
HK$126,600
−HK$3,880/mo
Today · 4.125%
HK$130,480
baseline
▲ 0.50% · 4.625%
HK$138,419
+HK$7,939/mo
Deposit HK$11.54M · loan HK$26.92M · min. income ≈ HK$260,960/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,592
−HK$7,380/mo
▼ 0.25% · 3.875%
HK$140,256
−HK$3,716/mo
Today · 4.125%
HK$143,972
baseline
▲ 0.50% · 4.625%
HK$151,561
+HK$7,589/mo
Deposit HK$11.54M · loan HK$26.92M · min. income ≈ HK$287,944/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,861
−HK$9,899/mo
▼ 0.25% · 3.875%
HK$162,771
−HK$4,989/mo
Today · 4.125%
HK$167,760
baseline
▲ 0.50% · 4.625%
HK$177,968
+HK$10,208/mo
Deposit HK$3.85M · loan HK$34.61M · min. income ≈ HK$335,520/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,619
−HK$9,488/mo
▼ 0.25% · 3.875%
HK$180,329
−HK$4,778/mo
Today · 4.125%
HK$185,107
baseline
▲ 0.50% · 4.625%
HK$194,864
+HK$9,757/mo
Deposit HK$3.85M · loan HK$34.61M · min. income ≈ HK$370,214/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,583 · Scale 2, in force from 26 Feb 2026)