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$86,874
−HK$5,448/mo
▼ 0.25% · 3.875%
HK$89,577
−HK$2,745/mo
Today · 4.125%
HK$92,322
baseline
▲ 0.50% · 4.625%
HK$97,940
+HK$5,618/mo
Deposit HK$19.05M · loan HK$19.05M · min. income ≈ HK$184,644/mo (50% DSR)
Upfront cash ≈ HK$20.67M (deposit + AVD stamp duty HK$1,619,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,647
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$99,239
−HK$2,629/mo
Today · 4.125%
HK$101,868
baseline
▲ 0.50% · 4.625%
HK$107,238
+HK$5,370/mo
Deposit HK$19.05M · loan HK$19.05M · min. income ≈ HK$203,736/mo (50% DSR)
Upfront cash ≈ HK$20.67M (deposit + AVD stamp duty HK$1,619,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,249
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$107,492
−HK$3,295/mo
Today · 4.125%
HK$110,787
baseline
▲ 0.50% · 4.625%
HK$117,528
+HK$6,741/mo
Deposit HK$15.24M · loan HK$22.86M · min. income ≈ HK$221,574/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,619,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,976
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$119,087
−HK$3,155/mo
Today · 4.125%
HK$122,242
baseline
▲ 0.50% · 4.625%
HK$128,686
+HK$6,444/mo
Deposit HK$15.24M · loan HK$22.86M · min. income ≈ HK$244,484/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,619,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,624
−HK$7,627/mo
▼ 0.25% · 3.875%
HK$125,407
−HK$3,844/mo
Today · 4.125%
HK$129,251
baseline
▲ 0.50% · 4.625%
HK$137,116
+HK$7,865/mo
Deposit HK$11.43M · loan HK$26.67M · min. income ≈ HK$258,502/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,619,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,306
−HK$7,310/mo
▼ 0.25% · 3.875%
HK$138,934
−HK$3,682/mo
Today · 4.125%
HK$142,616
baseline
▲ 0.50% · 4.625%
HK$150,133
+HK$7,517/mo
Deposit HK$11.43M · loan HK$26.67M · min. income ≈ HK$285,232/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,619,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,374
−HK$9,806/mo
▼ 0.25% · 3.875%
HK$161,238
−HK$4,942/mo
Today · 4.125%
HK$166,180
baseline
▲ 0.50% · 4.625%
HK$176,291
+HK$10,111/mo
Deposit HK$3.81M · loan HK$34.29M · min. income ≈ HK$332,360/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,619,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,964
−HK$9,399/mo
▼ 0.25% · 3.875%
HK$178,630
−HK$4,733/mo
Today · 4.125%
HK$183,363
baseline
▲ 0.50% · 4.625%
HK$193,028
+HK$9,665/mo
Deposit HK$3.81M · loan HK$34.29M · min. income ≈ HK$366,726/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,619,186 · Scale 2, in force from 26 Feb 2026)