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$86,961
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$89,666
−HK$2,749/mo
Today · 4.125%
HK$92,415
baseline
▲ 0.50% · 4.625%
HK$98,038
+HK$5,623/mo
Deposit HK$19.07M · loan HK$19.07M · min. income ≈ HK$184,830/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$1,620,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,744
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$99,338
−HK$2,632/mo
Today · 4.125%
HK$101,970
baseline
▲ 0.50% · 4.625%
HK$107,345
+HK$5,375/mo
Deposit HK$19.07M · loan HK$19.07M · min. income ≈ HK$203,940/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$1,620,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,354
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$107,600
−HK$3,297/mo
Today · 4.125%
HK$110,897
baseline
▲ 0.50% · 4.625%
HK$117,645
+HK$6,748/mo
Deposit HK$15.25M · loan HK$22.88M · min. income ≈ HK$221,794/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,620,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,092
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$119,206
−HK$3,158/mo
Today · 4.125%
HK$122,364
baseline
▲ 0.50% · 4.625%
HK$128,814
+HK$6,450/mo
Deposit HK$15.25M · loan HK$22.88M · min. income ≈ HK$244,728/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,620,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,746
−HK$7,634/mo
▼ 0.25% · 3.875%
HK$125,533
−HK$3,847/mo
Today · 4.125%
HK$129,380
baseline
▲ 0.50% · 4.625%
HK$137,253
+HK$7,873/mo
Deposit HK$11.44M · loan HK$26.70M · min. income ≈ HK$258,760/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,620,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,441
−HK$7,317/mo
▼ 0.25% · 3.875%
HK$139,073
−HK$3,685/mo
Today · 4.125%
HK$142,758
baseline
▲ 0.50% · 4.625%
HK$150,283
+HK$7,525/mo
Deposit HK$11.44M · loan HK$26.70M · min. income ≈ HK$285,516/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,620,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,530
−HK$9,816/mo
▼ 0.25% · 3.875%
HK$161,399
−HK$4,947/mo
Today · 4.125%
HK$166,346
baseline
▲ 0.50% · 4.625%
HK$176,468
+HK$10,122/mo
Deposit HK$3.81M · loan HK$34.32M · min. income ≈ HK$332,692/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,620,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,138
−HK$9,409/mo
▼ 0.25% · 3.875%
HK$178,809
−HK$4,738/mo
Today · 4.125%
HK$183,547
baseline
▲ 0.50% · 4.625%
HK$193,222
+HK$9,675/mo
Deposit HK$3.81M · loan HK$34.32M · min. income ≈ HK$367,094/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,620,808 · Scale 2, in force from 26 Feb 2026)