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$86,833
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$89,534
−HK$2,744/mo
Today · 4.125%
HK$92,278
baseline
▲ 0.50% · 4.625%
HK$97,893
+HK$5,615/mo
Deposit HK$19.04M · loan HK$19.04M · min. income ≈ HK$184,556/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,618,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,601
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$99,191
−HK$2,629/mo
Today · 4.125%
HK$101,820
baseline
▲ 0.50% · 4.625%
HK$107,187
+HK$5,367/mo
Deposit HK$19.04M · loan HK$19.04M · min. income ≈ HK$203,640/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,618,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,199
−HK$6,535/mo
▼ 0.25% · 3.875%
HK$107,440
−HK$3,294/mo
Today · 4.125%
HK$110,734
baseline
▲ 0.50% · 4.625%
HK$117,471
+HK$6,737/mo
Deposit HK$15.23M · loan HK$22.85M · min. income ≈ HK$221,468/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,618,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,921
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$119,030
−HK$3,154/mo
Today · 4.125%
HK$122,184
baseline
▲ 0.50% · 4.625%
HK$128,624
+HK$6,440/mo
Deposit HK$15.23M · loan HK$22.85M · min. income ≈ HK$244,368/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,618,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,566
−HK$7,623/mo
▼ 0.25% · 3.875%
HK$125,347
−HK$3,842/mo
Today · 4.125%
HK$129,189
baseline
▲ 0.50% · 4.625%
HK$137,050
+HK$7,861/mo
Deposit HK$11.42M · loan HK$26.66M · min. income ≈ HK$258,378/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,618,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,241
−HK$7,306/mo
▼ 0.25% · 3.875%
HK$138,868
−HK$3,679/mo
Today · 4.125%
HK$142,547
baseline
▲ 0.50% · 4.625%
HK$150,061
+HK$7,514/mo
Deposit HK$11.42M · loan HK$26.66M · min. income ≈ HK$285,094/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,618,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,299
−HK$9,801/mo
▼ 0.25% · 3.875%
HK$161,161
−HK$4,939/mo
Today · 4.125%
HK$166,100
baseline
▲ 0.50% · 4.625%
HK$176,207
+HK$10,107/mo
Deposit HK$3.81M · loan HK$34.27M · min. income ≈ HK$332,200/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,618,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,881
−HK$9,394/mo
▼ 0.25% · 3.875%
HK$178,544
−HK$4,731/mo
Today · 4.125%
HK$183,275
baseline
▲ 0.50% · 4.625%
HK$192,936
+HK$9,661/mo
Deposit HK$3.81M · loan HK$34.27M · min. income ≈ HK$366,550/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,618,411 · Scale 2, in force from 26 Feb 2026)