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$87,560
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$90,283
−HK$2,767/mo
Today · 4.125%
HK$93,050
baseline
▲ 0.50% · 4.625%
HK$98,712
+HK$5,662/mo
Deposit HK$19.20M · loan HK$19.20M · min. income ≈ HK$186,100/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$1,631,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,409
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$100,022
−HK$2,650/mo
Today · 4.125%
HK$102,672
baseline
▲ 0.50% · 4.625%
HK$108,084
+HK$5,412/mo
Deposit HK$19.20M · loan HK$19.20M · min. income ≈ HK$205,344/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$1,631,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,072
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$108,340
−HK$3,320/mo
Today · 4.125%
HK$111,660
baseline
▲ 0.50% · 4.625%
HK$118,455
+HK$6,795/mo
Deposit HK$15.36M · loan HK$23.04M · min. income ≈ HK$223,320/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,631,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,891
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$120,026
−HK$3,180/mo
Today · 4.125%
HK$123,206
baseline
▲ 0.50% · 4.625%
HK$129,701
+HK$6,495/mo
Deposit HK$15.36M · loan HK$23.04M · min. income ≈ HK$246,412/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,631,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,583
−HK$7,688/mo
▼ 0.25% · 3.875%
HK$126,397
−HK$3,874/mo
Today · 4.125%
HK$130,271
baseline
▲ 0.50% · 4.625%
HK$138,197
+HK$7,926/mo
Deposit HK$11.52M · loan HK$26.88M · min. income ≈ HK$260,542/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,631,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,373
−HK$7,368/mo
▼ 0.25% · 3.875%
HK$140,030
−HK$3,711/mo
Today · 4.125%
HK$143,741
baseline
▲ 0.50% · 4.625%
HK$151,317
+HK$7,576/mo
Deposit HK$11.52M · loan HK$26.88M · min. income ≈ HK$287,482/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,631,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,607
−HK$9,884/mo
▼ 0.25% · 3.875%
HK$162,510
−HK$4,981/mo
Today · 4.125%
HK$167,491
baseline
▲ 0.50% · 4.625%
HK$177,682
+HK$10,191/mo
Deposit HK$3.84M · loan HK$34.56M · min. income ≈ HK$334,982/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,631,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,337
−HK$9,472/mo
▼ 0.25% · 3.875%
HK$180,039
−HK$4,770/mo
Today · 4.125%
HK$184,809
baseline
▲ 0.50% · 4.625%
HK$194,551
+HK$9,742/mo
Deposit HK$3.84M · loan HK$34.56M · min. income ≈ HK$369,618/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,631,959 · Scale 2, in force from 26 Feb 2026)