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$86,809
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$89,510
−HK$2,743/mo
Today · 4.125%
HK$92,253
baseline
▲ 0.50% · 4.625%
HK$97,866
+HK$5,613/mo
Deposit HK$19.03M · loan HK$19.03M · min. income ≈ HK$184,506/mo (50% DSR)
Upfront cash ≈ HK$20.65M (deposit + AVD stamp duty HK$1,617,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,574
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$99,165
−HK$2,627/mo
Today · 4.125%
HK$101,792
baseline
▲ 0.50% · 4.625%
HK$107,158
+HK$5,366/mo
Deposit HK$19.03M · loan HK$19.03M · min. income ≈ HK$203,584/mo (50% DSR)
Upfront cash ≈ HK$20.65M (deposit + AVD stamp duty HK$1,617,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,171
−HK$6,533/mo
▼ 0.25% · 3.875%
HK$107,411
−HK$3,293/mo
Today · 4.125%
HK$110,704
baseline
▲ 0.50% · 4.625%
HK$117,440
+HK$6,736/mo
Deposit HK$15.23M · loan HK$22.84M · min. income ≈ HK$221,408/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,617,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,889
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$118,997
−HK$3,153/mo
Today · 4.125%
HK$122,150
baseline
▲ 0.50% · 4.625%
HK$128,589
+HK$6,439/mo
Deposit HK$15.23M · loan HK$22.84M · min. income ≈ HK$244,300/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,617,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,533
−HK$7,621/mo
▼ 0.25% · 3.875%
HK$125,313
−HK$3,841/mo
Today · 4.125%
HK$129,154
baseline
▲ 0.50% · 4.625%
HK$137,013
+HK$7,859/mo
Deposit HK$11.42M · loan HK$26.65M · min. income ≈ HK$258,308/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,617,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,204
−HK$7,305/mo
▼ 0.25% · 3.875%
HK$138,830
−HK$3,679/mo
Today · 4.125%
HK$142,509
baseline
▲ 0.50% · 4.625%
HK$150,021
+HK$7,512/mo
Deposit HK$11.42M · loan HK$26.65M · min. income ≈ HK$285,018/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,617,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,257
−HK$9,798/mo
▼ 0.25% · 3.875%
HK$161,117
−HK$4,938/mo
Today · 4.125%
HK$166,055
baseline
▲ 0.50% · 4.625%
HK$176,159
+HK$10,104/mo
Deposit HK$3.81M · loan HK$34.26M · min. income ≈ HK$332,110/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,617,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,834
−HK$9,392/mo
▼ 0.25% · 3.875%
HK$178,496
−HK$4,730/mo
Today · 4.125%
HK$183,226
baseline
▲ 0.50% · 4.625%
HK$192,884
+HK$9,658/mo
Deposit HK$3.81M · loan HK$34.26M · min. income ≈ HK$366,452/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,617,974 · Scale 2, in force from 26 Feb 2026)