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$87,621
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$90,347
−HK$2,769/mo
Today · 4.125%
HK$93,116
baseline
▲ 0.50% · 4.625%
HK$98,782
+HK$5,666/mo
Deposit HK$19.21M · loan HK$19.21M · min. income ≈ HK$186,232/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$1,633,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,478
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$100,092
−HK$2,652/mo
Today · 4.125%
HK$102,744
baseline
▲ 0.50% · 4.625%
HK$108,160
+HK$5,416/mo
Deposit HK$19.21M · loan HK$19.21M · min. income ≈ HK$205,488/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$1,633,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,146
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$108,416
−HK$3,323/mo
Today · 4.125%
HK$111,739
baseline
▲ 0.50% · 4.625%
HK$118,538
+HK$6,799/mo
Deposit HK$15.37M · loan HK$23.06M · min. income ≈ HK$223,478/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,633,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,973
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$120,110
−HK$3,183/mo
Today · 4.125%
HK$123,293
baseline
▲ 0.50% · 4.625%
HK$129,792
+HK$6,499/mo
Deposit HK$15.37M · loan HK$23.06M · min. income ≈ HK$246,586/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,633,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,670
−HK$7,692/mo
▼ 0.25% · 3.875%
HK$126,485
−HK$3,877/mo
Today · 4.125%
HK$130,362
baseline
▲ 0.50% · 4.625%
HK$138,294
+HK$7,932/mo
Deposit HK$11.53M · loan HK$26.90M · min. income ≈ HK$260,724/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,633,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,469
−HK$7,373/mo
▼ 0.25% · 3.875%
HK$140,129
−HK$3,713/mo
Today · 4.125%
HK$143,842
baseline
▲ 0.50% · 4.625%
HK$151,424
+HK$7,582/mo
Deposit HK$11.53M · loan HK$26.90M · min. income ≈ HK$287,684/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,633,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,718
−HK$9,891/mo
▼ 0.25% · 3.875%
HK$162,624
−HK$4,985/mo
Today · 4.125%
HK$167,609
baseline
▲ 0.50% · 4.625%
HK$177,807
+HK$10,198/mo
Deposit HK$3.84M · loan HK$34.58M · min. income ≈ HK$335,218/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,633,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,460
−HK$9,480/mo
▼ 0.25% · 3.875%
HK$180,166
−HK$4,774/mo
Today · 4.125%
HK$184,940
baseline
▲ 0.50% · 4.625%
HK$194,688
+HK$9,748/mo
Deposit HK$3.84M · loan HK$34.58M · min. income ≈ HK$369,880/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,633,108 · Scale 2, in force from 26 Feb 2026)