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$87,577
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$90,301
−HK$2,767/mo
Today · 4.125%
HK$93,068
baseline
▲ 0.50% · 4.625%
HK$98,731
+HK$5,663/mo
Deposit HK$19.20M · loan HK$19.20M · min. income ≈ HK$186,136/mo (50% DSR)
Upfront cash ≈ HK$20.84M (deposit + AVD stamp duty HK$1,632,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,428
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$100,041
−HK$2,651/mo
Today · 4.125%
HK$102,692
baseline
▲ 0.50% · 4.625%
HK$108,105
+HK$5,413/mo
Deposit HK$19.20M · loan HK$19.20M · min. income ≈ HK$205,384/mo (50% DSR)
Upfront cash ≈ HK$20.84M (deposit + AVD stamp duty HK$1,632,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,092
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$108,361
−HK$3,321/mo
Today · 4.125%
HK$111,682
baseline
▲ 0.50% · 4.625%
HK$118,478
+HK$6,796/mo
Deposit HK$15.36M · loan HK$23.04M · min. income ≈ HK$223,364/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,632,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,914
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$120,049
−HK$3,181/mo
Today · 4.125%
HK$123,230
baseline
▲ 0.50% · 4.625%
HK$129,726
+HK$6,496/mo
Deposit HK$15.36M · loan HK$23.04M · min. income ≈ HK$246,460/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,632,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,607
−HK$7,689/mo
▼ 0.25% · 3.875%
HK$126,421
−HK$3,875/mo
Today · 4.125%
HK$130,296
baseline
▲ 0.50% · 4.625%
HK$138,224
+HK$7,928/mo
Deposit HK$11.52M · loan HK$26.88M · min. income ≈ HK$260,592/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,632,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,399
−HK$7,370/mo
▼ 0.25% · 3.875%
HK$140,057
−HK$3,712/mo
Today · 4.125%
HK$143,769
baseline
▲ 0.50% · 4.625%
HK$151,347
+HK$7,578/mo
Deposit HK$11.52M · loan HK$26.88M · min. income ≈ HK$287,538/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,632,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,638
−HK$9,885/mo
▼ 0.25% · 3.875%
HK$162,541
−HK$4,982/mo
Today · 4.125%
HK$167,523
baseline
▲ 0.50% · 4.625%
HK$177,717
+HK$10,194/mo
Deposit HK$3.84M · loan HK$34.57M · min. income ≈ HK$335,046/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,632,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,371
−HK$9,474/mo
▼ 0.25% · 3.875%
HK$180,074
−HK$4,771/mo
Today · 4.125%
HK$184,845
baseline
▲ 0.50% · 4.625%
HK$194,589
+HK$9,744/mo
Deposit HK$3.84M · loan HK$34.57M · min. income ≈ HK$369,690/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,632,276 · Scale 2, in force from 26 Feb 2026)