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$87,640
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$90,366
−HK$2,769/mo
Today · 4.125%
HK$93,135
baseline
▲ 0.50% · 4.625%
HK$98,803
+HK$5,668/mo
Deposit HK$19.22M · loan HK$19.22M · min. income ≈ HK$186,270/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$1,633,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,498
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$100,113
−HK$2,653/mo
Today · 4.125%
HK$102,766
baseline
▲ 0.50% · 4.625%
HK$108,183
+HK$5,417/mo
Deposit HK$19.22M · loan HK$19.22M · min. income ≈ HK$205,532/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$1,633,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,168
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$108,439
−HK$3,324/mo
Today · 4.125%
HK$111,763
baseline
▲ 0.50% · 4.625%
HK$118,563
+HK$6,800/mo
Deposit HK$15.37M · loan HK$23.06M · min. income ≈ HK$223,526/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,633,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,998
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$120,136
−HK$3,183/mo
Today · 4.125%
HK$123,319
baseline
▲ 0.50% · 4.625%
HK$129,819
+HK$6,500/mo
Deposit HK$15.37M · loan HK$23.06M · min. income ≈ HK$246,638/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,633,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,696
−HK$7,694/mo
▼ 0.25% · 3.875%
HK$126,512
−HK$3,878/mo
Today · 4.125%
HK$130,390
baseline
▲ 0.50% · 4.625%
HK$138,324
+HK$7,934/mo
Deposit HK$11.53M · loan HK$26.90M · min. income ≈ HK$260,780/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,633,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,498
−HK$7,374/mo
▼ 0.25% · 3.875%
HK$140,158
−HK$3,714/mo
Today · 4.125%
HK$143,872
baseline
▲ 0.50% · 4.625%
HK$151,456
+HK$7,584/mo
Deposit HK$11.53M · loan HK$26.90M · min. income ≈ HK$287,744/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,633,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,751
−HK$9,893/mo
▼ 0.25% · 3.875%
HK$162,658
−HK$4,986/mo
Today · 4.125%
HK$167,644
baseline
▲ 0.50% · 4.625%
HK$177,845
+HK$10,201/mo
Deposit HK$3.84M · loan HK$34.59M · min. income ≈ HK$335,288/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,633,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,497
−HK$9,481/mo
▼ 0.25% · 3.875%
HK$180,204
−HK$4,774/mo
Today · 4.125%
HK$184,978
baseline
▲ 0.50% · 4.625%
HK$194,729
+HK$9,751/mo
Deposit HK$3.84M · loan HK$34.59M · min. income ≈ HK$369,956/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,633,451 · Scale 2, in force from 26 Feb 2026)