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$87,030
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$89,737
−HK$2,750/mo
Today · 4.125%
HK$92,487
baseline
▲ 0.50% · 4.625%
HK$98,115
+HK$5,628/mo
Deposit HK$19.08M · loan HK$19.08M · min. income ≈ HK$184,974/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,622,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,820
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$99,417
−HK$2,634/mo
Today · 4.125%
HK$102,051
baseline
▲ 0.50% · 4.625%
HK$107,430
+HK$5,379/mo
Deposit HK$19.08M · loan HK$19.08M · min. income ≈ HK$204,102/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,622,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,436
−HK$6,549/mo
▼ 0.25% · 3.875%
HK$107,684
−HK$3,301/mo
Today · 4.125%
HK$110,985
baseline
▲ 0.50% · 4.625%
HK$117,738
+HK$6,753/mo
Deposit HK$15.27M · loan HK$22.90M · min. income ≈ HK$221,970/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,622,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,184
−HK$6,277/mo
▼ 0.25% · 3.875%
HK$119,300
−HK$3,161/mo
Today · 4.125%
HK$122,461
baseline
▲ 0.50% · 4.625%
HK$128,916
+HK$6,455/mo
Deposit HK$15.27M · loan HK$22.90M · min. income ≈ HK$244,922/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,622,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,842
−HK$7,640/mo
▼ 0.25% · 3.875%
HK$125,632
−HK$3,850/mo
Today · 4.125%
HK$129,482
baseline
▲ 0.50% · 4.625%
HK$137,361
+HK$7,879/mo
Deposit HK$11.45M · loan HK$26.72M · min. income ≈ HK$258,964/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,622,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,548
−HK$7,323/mo
▼ 0.25% · 3.875%
HK$139,183
−HK$3,688/mo
Today · 4.125%
HK$142,871
baseline
▲ 0.50% · 4.625%
HK$150,402
+HK$7,531/mo
Deposit HK$11.45M · loan HK$26.72M · min. income ≈ HK$285,742/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,622,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,654
−HK$9,823/mo
▼ 0.25% · 3.875%
HK$161,527
−HK$4,950/mo
Today · 4.125%
HK$166,477
baseline
▲ 0.50% · 4.625%
HK$176,607
+HK$10,130/mo
Deposit HK$3.82M · loan HK$34.35M · min. income ≈ HK$332,954/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,622,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,276
−HK$9,415/mo
▼ 0.25% · 3.875%
HK$178,950
−HK$4,741/mo
Today · 4.125%
HK$183,691
baseline
▲ 0.50% · 4.625%
HK$193,374
+HK$9,683/mo
Deposit HK$3.82M · loan HK$34.35M · min. income ≈ HK$367,382/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,622,086 · Scale 2, in force from 26 Feb 2026)