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$86,706
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$89,403
−HK$2,741/mo
Today · 4.125%
HK$92,144
baseline
▲ 0.50% · 4.625%
HK$97,750
+HK$5,606/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$184,288/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,616,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,460
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$99,047
−HK$2,624/mo
Today · 4.125%
HK$101,671
baseline
▲ 0.50% · 4.625%
HK$107,031
+HK$5,360/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$203,342/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,616,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,048
−HK$6,524/mo
▼ 0.25% · 3.875%
HK$107,284
−HK$3,288/mo
Today · 4.125%
HK$110,572
baseline
▲ 0.50% · 4.625%
HK$117,300
+HK$6,728/mo
Deposit HK$15.21M · loan HK$22.81M · min. income ≈ HK$221,144/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,616,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,752
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$118,856
−HK$3,150/mo
Today · 4.125%
HK$122,006
baseline
▲ 0.50% · 4.625%
HK$128,437
+HK$6,431/mo
Deposit HK$15.21M · loan HK$22.81M · min. income ≈ HK$244,012/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,616,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,389
−HK$7,612/mo
▼ 0.25% · 3.875%
HK$125,165
−HK$3,836/mo
Today · 4.125%
HK$129,001
baseline
▲ 0.50% · 4.625%
HK$136,850
+HK$7,849/mo
Deposit HK$11.41M · loan HK$26.62M · min. income ≈ HK$258,002/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,616,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,044
−HK$7,296/mo
▼ 0.25% · 3.875%
HK$138,666
−HK$3,674/mo
Today · 4.125%
HK$142,340
baseline
▲ 0.50% · 4.625%
HK$149,843
+HK$7,503/mo
Deposit HK$11.41M · loan HK$26.62M · min. income ≈ HK$284,680/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,616,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,071
−HK$9,787/mo
▼ 0.25% · 3.875%
HK$160,926
−HK$4,932/mo
Today · 4.125%
HK$165,858
baseline
▲ 0.50% · 4.625%
HK$175,950
+HK$10,092/mo
Deposit HK$3.80M · loan HK$34.22M · min. income ≈ HK$331,716/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,616,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,628
−HK$9,380/mo
▼ 0.25% · 3.875%
HK$178,284
−HK$4,724/mo
Today · 4.125%
HK$183,008
baseline
▲ 0.50% · 4.625%
HK$192,655
+HK$9,647/mo
Deposit HK$3.80M · loan HK$34.22M · min. income ≈ HK$366,016/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,616,054 · Scale 2, in force from 26 Feb 2026)