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$86,956
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$89,660
−HK$2,748/mo
Today · 4.125%
HK$92,408
baseline
▲ 0.50% · 4.625%
HK$98,031
+HK$5,623/mo
Deposit HK$19.07M · loan HK$19.07M · min. income ≈ HK$184,816/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$1,620,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,737
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$99,332
−HK$2,632/mo
Today · 4.125%
HK$101,964
baseline
▲ 0.50% · 4.625%
HK$107,338
+HK$5,374/mo
Deposit HK$19.07M · loan HK$19.07M · min. income ≈ HK$203,928/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$1,620,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,347
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$107,592
−HK$3,298/mo
Today · 4.125%
HK$110,890
baseline
▲ 0.50% · 4.625%
HK$117,638
+HK$6,748/mo
Deposit HK$15.25M · loan HK$22.88M · min. income ≈ HK$221,780/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,620,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,085
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$119,198
−HK$3,158/mo
Today · 4.125%
HK$122,356
baseline
▲ 0.50% · 4.625%
HK$128,806
+HK$6,450/mo
Deposit HK$15.25M · loan HK$22.88M · min. income ≈ HK$244,712/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,620,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,738
−HK$7,634/mo
▼ 0.25% · 3.875%
HK$125,525
−HK$3,847/mo
Today · 4.125%
HK$129,372
baseline
▲ 0.50% · 4.625%
HK$137,244
+HK$7,872/mo
Deposit HK$11.44M · loan HK$26.69M · min. income ≈ HK$258,744/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,620,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,432
−HK$7,317/mo
▼ 0.25% · 3.875%
HK$139,064
−HK$3,685/mo
Today · 4.125%
HK$142,749
baseline
▲ 0.50% · 4.625%
HK$150,274
+HK$7,525/mo
Deposit HK$11.44M · loan HK$26.69M · min. income ≈ HK$285,498/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,620,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,520
−HK$9,815/mo
▼ 0.25% · 3.875%
HK$161,389
−HK$4,946/mo
Today · 4.125%
HK$166,335
baseline
▲ 0.50% · 4.625%
HK$176,456
+HK$10,121/mo
Deposit HK$3.81M · loan HK$34.32M · min. income ≈ HK$332,670/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,620,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,127
−HK$9,407/mo
▼ 0.25% · 3.875%
HK$178,797
−HK$4,737/mo
Today · 4.125%
HK$183,534
baseline
▲ 0.50% · 4.625%
HK$193,209
+HK$9,675/mo
Deposit HK$3.81M · loan HK$34.32M · min. income ≈ HK$367,068/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,620,700 · Scale 2, in force from 26 Feb 2026)