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$86,822
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$89,522
−HK$2,744/mo
Today · 4.125%
HK$92,266
baseline
▲ 0.50% · 4.625%
HK$97,880
+HK$5,614/mo
Deposit HK$19.04M · loan HK$19.04M · min. income ≈ HK$184,532/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,618,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,588
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$99,179
−HK$2,628/mo
Today · 4.125%
HK$101,807
baseline
▲ 0.50% · 4.625%
HK$107,173
+HK$5,366/mo
Deposit HK$19.04M · loan HK$19.04M · min. income ≈ HK$203,614/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,618,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,186
−HK$6,533/mo
▼ 0.25% · 3.875%
HK$107,427
−HK$3,292/mo
Today · 4.125%
HK$110,719
baseline
▲ 0.50% · 4.625%
HK$117,456
+HK$6,737/mo
Deposit HK$15.23M · loan HK$22.85M · min. income ≈ HK$221,438/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,618,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,906
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$119,014
−HK$3,154/mo
Today · 4.125%
HK$122,168
baseline
▲ 0.50% · 4.625%
HK$128,607
+HK$6,439/mo
Deposit HK$15.23M · loan HK$22.85M · min. income ≈ HK$244,336/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,618,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,550
−HK$7,623/mo
▼ 0.25% · 3.875%
HK$125,331
−HK$3,842/mo
Today · 4.125%
HK$129,173
baseline
▲ 0.50% · 4.625%
HK$137,032
+HK$7,859/mo
Deposit HK$11.42M · loan HK$26.65M · min. income ≈ HK$258,346/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,618,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,223
−HK$7,306/mo
▼ 0.25% · 3.875%
HK$138,850
−HK$3,679/mo
Today · 4.125%
HK$142,529
baseline
▲ 0.50% · 4.625%
HK$150,042
+HK$7,513/mo
Deposit HK$11.42M · loan HK$26.65M · min. income ≈ HK$285,058/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,618,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,279
−HK$9,800/mo
▼ 0.25% · 3.875%
HK$161,140
−HK$4,939/mo
Today · 4.125%
HK$166,079
baseline
▲ 0.50% · 4.625%
HK$176,184
+HK$10,105/mo
Deposit HK$3.81M · loan HK$34.27M · min. income ≈ HK$332,158/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,618,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,859
−HK$9,393/mo
▼ 0.25% · 3.875%
HK$178,522
−HK$4,730/mo
Today · 4.125%
HK$183,252
baseline
▲ 0.50% · 4.625%
HK$192,911
+HK$9,659/mo
Deposit HK$3.81M · loan HK$34.27M · min. income ≈ HK$366,504/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,618,204 · Scale 2, in force from 26 Feb 2026)