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$87,753
−HK$5,503/mo
▼ 0.25% · 3.875%
HK$90,483
−HK$2,773/mo
Today · 4.125%
HK$93,256
baseline
▲ 0.50% · 4.625%
HK$98,931
+HK$5,675/mo
Deposit HK$19.24M · loan HK$19.24M · min. income ≈ HK$186,512/mo (50% DSR)
Upfront cash ≈ HK$20.88M (deposit + AVD stamp duty HK$1,635,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,625
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$100,243
−HK$2,656/mo
Today · 4.125%
HK$102,899
baseline
▲ 0.50% · 4.625%
HK$108,323
+HK$5,424/mo
Deposit HK$19.24M · loan HK$19.24M · min. income ≈ HK$205,798/mo (50% DSR)
Upfront cash ≈ HK$20.88M (deposit + AVD stamp duty HK$1,635,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,304
−HK$6,603/mo
▼ 0.25% · 3.875%
HK$108,579
−HK$3,328/mo
Today · 4.125%
HK$111,907
baseline
▲ 0.50% · 4.625%
HK$118,717
+HK$6,810/mo
Deposit HK$15.39M · loan HK$23.09M · min. income ≈ HK$223,814/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,635,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,150
−HK$6,329/mo
▼ 0.25% · 3.875%
HK$120,291
−HK$3,188/mo
Today · 4.125%
HK$123,479
baseline
▲ 0.50% · 4.625%
HK$129,988
+HK$6,509/mo
Deposit HK$15.39M · loan HK$23.09M · min. income ≈ HK$246,958/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,635,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,855
−HK$7,704/mo
▼ 0.25% · 3.875%
HK$126,676
−HK$3,883/mo
Today · 4.125%
HK$130,559
baseline
▲ 0.50% · 4.625%
HK$138,503
+HK$7,944/mo
Deposit HK$11.55M · loan HK$26.94M · min. income ≈ HK$261,118/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,635,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,674
−HK$7,385/mo
▼ 0.25% · 3.875%
HK$140,340
−HK$3,719/mo
Today · 4.125%
HK$144,059
baseline
▲ 0.50% · 4.625%
HK$151,652
+HK$7,593/mo
Deposit HK$11.55M · loan HK$26.94M · min. income ≈ HK$288,118/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,635,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,956
−HK$9,905/mo
▼ 0.25% · 3.875%
HK$162,869
−HK$4,992/mo
Today · 4.125%
HK$167,861
baseline
▲ 0.50% · 4.625%
HK$178,075
+HK$10,214/mo
Deposit HK$3.85M · loan HK$34.64M · min. income ≈ HK$335,722/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,635,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,724
−HK$9,494/mo
▼ 0.25% · 3.875%
HK$180,437
−HK$4,781/mo
Today · 4.125%
HK$185,218
baseline
▲ 0.50% · 4.625%
HK$194,981
+HK$9,763/mo
Deposit HK$3.85M · loan HK$34.64M · min. income ≈ HK$370,436/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,635,568 · Scale 2, in force from 26 Feb 2026)