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$87,353
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$90,070
−HK$2,761/mo
Today · 4.125%
HK$92,831
baseline
▲ 0.50% · 4.625%
HK$98,479
+HK$5,648/mo
Deposit HK$19.15M · loan HK$19.15M · min. income ≈ HK$185,662/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,628,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,179
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$99,786
−HK$2,644/mo
Today · 4.125%
HK$102,430
baseline
▲ 0.50% · 4.625%
HK$107,829
+HK$5,399/mo
Deposit HK$19.15M · loan HK$19.15M · min. income ≈ HK$204,860/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,628,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,824
−HK$6,573/mo
▼ 0.25% · 3.875%
HK$108,084
−HK$3,313/mo
Today · 4.125%
HK$111,397
baseline
▲ 0.50% · 4.625%
HK$118,175
+HK$6,778/mo
Deposit HK$15.32M · loan HK$22.99M · min. income ≈ HK$222,794/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,628,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,615
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$119,743
−HK$3,173/mo
Today · 4.125%
HK$122,916
baseline
▲ 0.50% · 4.625%
HK$129,395
+HK$6,479/mo
Deposit HK$15.32M · loan HK$22.99M · min. income ≈ HK$245,832/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,628,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,294
−HK$7,669/mo
▼ 0.25% · 3.875%
HK$126,098
−HK$3,865/mo
Today · 4.125%
HK$129,963
baseline
▲ 0.50% · 4.625%
HK$137,871
+HK$7,908/mo
Deposit HK$11.49M · loan HK$26.82M · min. income ≈ HK$259,926/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,628,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,051
−HK$7,351/mo
▼ 0.25% · 3.875%
HK$139,700
−HK$3,702/mo
Today · 4.125%
HK$143,402
baseline
▲ 0.50% · 4.625%
HK$150,960
+HK$7,558/mo
Deposit HK$11.49M · loan HK$26.82M · min. income ≈ HK$286,804/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,628,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,236
−HK$9,860/mo
▼ 0.25% · 3.875%
HK$162,126
−HK$4,970/mo
Today · 4.125%
HK$167,096
baseline
▲ 0.50% · 4.625%
HK$177,263
+HK$10,167/mo
Deposit HK$3.83M · loan HK$34.48M · min. income ≈ HK$334,192/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,628,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,923
−HK$9,450/mo
▼ 0.25% · 3.875%
HK$179,614
−HK$4,759/mo
Today · 4.125%
HK$184,373
baseline
▲ 0.50% · 4.625%
HK$194,092
+HK$9,719/mo
Deposit HK$3.83M · loan HK$34.48M · min. income ≈ HK$368,746/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,628,109 · Scale 2, in force from 26 Feb 2026)