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$87,615
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$90,340
−HK$2,769/mo
Today · 4.125%
HK$93,109
baseline
▲ 0.50% · 4.625%
HK$98,774
+HK$5,665/mo
Deposit HK$19.21M · loan HK$19.21M · min. income ≈ HK$186,218/mo (50% DSR)
Upfront cash ≈ HK$20.84M (deposit + AVD stamp duty HK$1,632,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,470
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$100,084
−HK$2,652/mo
Today · 4.125%
HK$102,736
baseline
▲ 0.50% · 4.625%
HK$108,152
+HK$5,416/mo
Deposit HK$19.21M · loan HK$19.21M · min. income ≈ HK$205,472/mo (50% DSR)
Upfront cash ≈ HK$20.84M (deposit + AVD stamp duty HK$1,632,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,137
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$108,408
−HK$3,322/mo
Today · 4.125%
HK$111,730
baseline
▲ 0.50% · 4.625%
HK$118,529
+HK$6,799/mo
Deposit HK$15.37M · loan HK$23.05M · min. income ≈ HK$223,460/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,632,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,964
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$120,101
−HK$3,183/mo
Today · 4.125%
HK$123,284
baseline
▲ 0.50% · 4.625%
HK$129,782
+HK$6,498/mo
Deposit HK$15.37M · loan HK$23.05M · min. income ≈ HK$246,568/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,632,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,660
−HK$7,692/mo
▼ 0.25% · 3.875%
HK$126,476
−HK$3,876/mo
Today · 4.125%
HK$130,352
baseline
▲ 0.50% · 4.625%
HK$138,284
+HK$7,932/mo
Deposit HK$11.53M · loan HK$26.90M · min. income ≈ HK$260,704/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,632,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,458
−HK$7,373/mo
▼ 0.25% · 3.875%
HK$140,118
−HK$3,713/mo
Today · 4.125%
HK$143,831
baseline
▲ 0.50% · 4.625%
HK$151,412
+HK$7,581/mo
Deposit HK$11.53M · loan HK$26.90M · min. income ≈ HK$287,662/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,632,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,706
−HK$9,890/mo
▼ 0.25% · 3.875%
HK$162,612
−HK$4,984/mo
Today · 4.125%
HK$167,596
baseline
▲ 0.50% · 4.625%
HK$177,794
+HK$10,198/mo
Deposit HK$3.84M · loan HK$34.58M · min. income ≈ HK$335,192/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,632,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,447
−HK$9,478/mo
▼ 0.25% · 3.875%
HK$180,152
−HK$4,773/mo
Today · 4.125%
HK$184,925
baseline
▲ 0.50% · 4.625%
HK$194,673
+HK$9,748/mo
Deposit HK$3.84M · loan HK$34.58M · min. income ≈ HK$369,850/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,632,982 · Scale 2, in force from 26 Feb 2026)