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$87,149
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$89,860
−HK$2,754/mo
Today · 4.125%
HK$92,614
baseline
▲ 0.50% · 4.625%
HK$98,250
+HK$5,636/mo
Deposit HK$19.11M · loan HK$19.11M · min. income ≈ HK$185,228/mo (50% DSR)
Upfront cash ≈ HK$20.73M (deposit + AVD stamp duty HK$1,624,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,953
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$99,553
−HK$2,638/mo
Today · 4.125%
HK$102,191
baseline
▲ 0.50% · 4.625%
HK$107,577
+HK$5,386/mo
Deposit HK$19.11M · loan HK$19.11M · min. income ≈ HK$204,382/mo (50% DSR)
Upfront cash ≈ HK$20.73M (deposit + AVD stamp duty HK$1,624,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,579
−HK$6,558/mo
▼ 0.25% · 3.875%
HK$107,832
−HK$3,305/mo
Today · 4.125%
HK$111,137
baseline
▲ 0.50% · 4.625%
HK$117,900
+HK$6,763/mo
Deposit HK$15.29M · loan HK$22.93M · min. income ≈ HK$222,274/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,624,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,343
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$119,464
−HK$3,165/mo
Today · 4.125%
HK$122,629
baseline
▲ 0.50% · 4.625%
HK$129,093
+HK$6,464/mo
Deposit HK$15.29M · loan HK$22.93M · min. income ≈ HK$245,258/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,624,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,009
−HK$7,651/mo
▼ 0.25% · 3.875%
HK$125,804
−HK$3,856/mo
Today · 4.125%
HK$129,660
baseline
▲ 0.50% · 4.625%
HK$137,550
+HK$7,890/mo
Deposit HK$11.47M · loan HK$26.75M · min. income ≈ HK$259,320/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,734
−HK$7,333/mo
▼ 0.25% · 3.875%
HK$139,374
−HK$3,693/mo
Today · 4.125%
HK$143,067
baseline
▲ 0.50% · 4.625%
HK$150,608
+HK$7,541/mo
Deposit HK$11.47M · loan HK$26.75M · min. income ≈ HK$286,134/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,869
−HK$9,837/mo
▼ 0.25% · 3.875%
HK$161,748
−HK$4,958/mo
Today · 4.125%
HK$166,706
baseline
▲ 0.50% · 4.625%
HK$176,850
+HK$10,144/mo
Deposit HK$3.82M · loan HK$34.40M · min. income ≈ HK$333,412/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,515
−HK$9,429/mo
▼ 0.25% · 3.875%
HK$179,195
−HK$4,749/mo
Today · 4.125%
HK$183,944
baseline
▲ 0.50% · 4.625%
HK$193,639
+HK$9,695/mo
Deposit HK$3.82M · loan HK$34.40M · min. income ≈ HK$367,888/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,313 · Scale 2, in force from 26 Feb 2026)