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$87,677
−HK$5,498/mo
▼ 0.25% · 3.875%
HK$90,404
−HK$2,771/mo
Today · 4.125%
HK$93,175
baseline
▲ 0.50% · 4.625%
HK$98,844
+HK$5,669/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$186,350/mo (50% DSR)
Upfront cash ≈ HK$20.86M (deposit + AVD stamp duty HK$1,634,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,539
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$100,155
−HK$2,654/mo
Today · 4.125%
HK$102,809
baseline
▲ 0.50% · 4.625%
HK$108,228
+HK$5,419/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$205,618/mo (50% DSR)
Upfront cash ≈ HK$20.86M (deposit + AVD stamp duty HK$1,634,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,212
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$108,485
−HK$3,325/mo
Today · 4.125%
HK$111,810
baseline
▲ 0.50% · 4.625%
HK$118,613
+HK$6,803/mo
Deposit HK$15.38M · loan HK$23.07M · min. income ≈ HK$223,620/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,634,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,047
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$120,186
−HK$3,185/mo
Today · 4.125%
HK$123,371
baseline
▲ 0.50% · 4.625%
HK$129,874
+HK$6,503/mo
Deposit HK$15.38M · loan HK$23.07M · min. income ≈ HK$246,742/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,634,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,747
−HK$7,698/mo
▼ 0.25% · 3.875%
HK$126,565
−HK$3,880/mo
Today · 4.125%
HK$130,445
baseline
▲ 0.50% · 4.625%
HK$138,382
+HK$7,937/mo
Deposit HK$11.54M · loan HK$26.92M · min. income ≈ HK$260,890/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,555
−HK$7,378/mo
▼ 0.25% · 3.875%
HK$140,217
−HK$3,716/mo
Today · 4.125%
HK$143,933
baseline
▲ 0.50% · 4.625%
HK$151,520
+HK$7,587/mo
Deposit HK$11.54M · loan HK$26.92M · min. income ≈ HK$287,866/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,818
−HK$9,897/mo
▼ 0.25% · 3.875%
HK$162,727
−HK$4,988/mo
Today · 4.125%
HK$167,715
baseline
▲ 0.50% · 4.625%
HK$177,920
+HK$10,205/mo
Deposit HK$3.85M · loan HK$34.61M · min. income ≈ HK$335,430/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,571
−HK$9,485/mo
▼ 0.25% · 3.875%
HK$180,280
−HK$4,776/mo
Today · 4.125%
HK$185,056
baseline
▲ 0.50% · 4.625%
HK$194,811
+HK$9,755/mo
Deposit HK$3.85M · loan HK$34.61M · min. income ≈ HK$370,112/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,140 · Scale 2, in force from 26 Feb 2026)