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$87,993
−HK$5,518/mo
▼ 0.25% · 3.875%
HK$90,730
−HK$2,781/mo
Today · 4.125%
HK$93,511
baseline
▲ 0.50% · 4.625%
HK$99,200
+HK$5,689/mo
Deposit HK$19.29M · loan HK$19.29M · min. income ≈ HK$187,022/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$1,640,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,891
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$100,516
−HK$2,664/mo
Today · 4.125%
HK$103,180
baseline
▲ 0.50% · 4.625%
HK$108,618
+HK$5,438/mo
Deposit HK$19.29M · loan HK$19.29M · min. income ≈ HK$206,360/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$1,640,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,591
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$108,876
−HK$3,337/mo
Today · 4.125%
HK$112,213
baseline
▲ 0.50% · 4.625%
HK$119,041
+HK$6,828/mo
Deposit HK$15.44M · loan HK$23.15M · min. income ≈ HK$224,426/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,640,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,469
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$120,620
−HK$3,196/mo
Today · 4.125%
HK$123,816
baseline
▲ 0.50% · 4.625%
HK$130,342
+HK$6,526/mo
Deposit HK$15.44M · loan HK$23.15M · min. income ≈ HK$247,632/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,640,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,190
−HK$7,725/mo
▼ 0.25% · 3.875%
HK$127,022
−HK$3,893/mo
Today · 4.125%
HK$130,915
baseline
▲ 0.50% · 4.625%
HK$138,881
+HK$7,966/mo
Deposit HK$11.58M · loan HK$27.01M · min. income ≈ HK$261,830/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,640,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,047
−HK$7,405/mo
▼ 0.25% · 3.875%
HK$140,723
−HK$3,729/mo
Today · 4.125%
HK$144,452
baseline
▲ 0.50% · 4.625%
HK$152,066
+HK$7,614/mo
Deposit HK$11.58M · loan HK$27.01M · min. income ≈ HK$288,904/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,640,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,387
−HK$9,932/mo
▼ 0.25% · 3.875%
HK$163,313
−HK$5,006/mo
Today · 4.125%
HK$168,319
baseline
▲ 0.50% · 4.625%
HK$178,561
+HK$10,242/mo
Deposit HK$3.86M · loan HK$34.73M · min. income ≈ HK$336,638/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,640,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,204
−HK$9,519/mo
▼ 0.25% · 3.875%
HK$180,929
−HK$4,794/mo
Today · 4.125%
HK$185,723
baseline
▲ 0.50% · 4.625%
HK$195,513
+HK$9,790/mo
Deposit HK$3.86M · loan HK$34.73M · min. income ≈ HK$371,446/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,640,030 · Scale 2, in force from 26 Feb 2026)