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$87,981
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$90,717
−HK$2,781/mo
Today · 4.125%
HK$93,498
baseline
▲ 0.50% · 4.625%
HK$99,187
+HK$5,689/mo
Deposit HK$19.29M · loan HK$19.29M · min. income ≈ HK$186,996/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$1,639,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,878
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$100,503
−HK$2,663/mo
Today · 4.125%
HK$103,166
baseline
▲ 0.50% · 4.625%
HK$108,604
+HK$5,438/mo
Deposit HK$19.29M · loan HK$19.29M · min. income ≈ HK$206,332/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$1,639,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,577
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$108,861
−HK$3,336/mo
Today · 4.125%
HK$112,197
baseline
▲ 0.50% · 4.625%
HK$119,024
+HK$6,827/mo
Deposit HK$15.43M · loan HK$23.15M · min. income ≈ HK$224,394/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,639,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,453
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$120,603
−HK$3,196/mo
Today · 4.125%
HK$123,799
baseline
▲ 0.50% · 4.625%
HK$130,324
+HK$6,525/mo
Deposit HK$15.43M · loan HK$23.15M · min. income ≈ HK$247,598/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,639,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,173
−HK$7,724/mo
▼ 0.25% · 3.875%
HK$127,004
−HK$3,893/mo
Today · 4.125%
HK$130,897
baseline
▲ 0.50% · 4.625%
HK$138,862
+HK$7,965/mo
Deposit HK$11.58M · loan HK$27.01M · min. income ≈ HK$261,794/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,639,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,029
−HK$7,403/mo
▼ 0.25% · 3.875%
HK$140,704
−HK$3,728/mo
Today · 4.125%
HK$144,432
baseline
▲ 0.50% · 4.625%
HK$152,045
+HK$7,613/mo
Deposit HK$11.58M · loan HK$27.01M · min. income ≈ HK$288,864/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,639,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,365
−HK$9,931/mo
▼ 0.25% · 3.875%
HK$163,291
−HK$5,005/mo
Today · 4.125%
HK$168,296
baseline
▲ 0.50% · 4.625%
HK$178,537
+HK$10,241/mo
Deposit HK$3.86M · loan HK$34.73M · min. income ≈ HK$336,592/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,639,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,180
−HK$9,518/mo
▼ 0.25% · 3.875%
HK$180,905
−HK$4,793/mo
Today · 4.125%
HK$185,698
baseline
▲ 0.50% · 4.625%
HK$195,487
+HK$9,789/mo
Deposit HK$3.86M · loan HK$34.73M · min. income ≈ HK$371,396/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,639,808 · Scale 2, in force from 26 Feb 2026)