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$87,489
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$90,210
−HK$2,765/mo
Today · 4.125%
HK$92,975
baseline
▲ 0.50% · 4.625%
HK$98,632
+HK$5,657/mo
Deposit HK$19.18M · loan HK$19.18M · min. income ≈ HK$185,950/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$1,630,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,330
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$99,940
−HK$2,649/mo
Today · 4.125%
HK$102,589
baseline
▲ 0.50% · 4.625%
HK$107,996
+HK$5,407/mo
Deposit HK$19.18M · loan HK$19.18M · min. income ≈ HK$205,178/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$1,630,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,986
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$108,252
−HK$3,318/mo
Today · 4.125%
HK$111,570
baseline
▲ 0.50% · 4.625%
HK$118,359
+HK$6,789/mo
Deposit HK$15.35M · loan HK$23.02M · min. income ≈ HK$223,140/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,630,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,796
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$119,929
−HK$3,177/mo
Today · 4.125%
HK$123,106
baseline
▲ 0.50% · 4.625%
HK$129,595
+HK$6,489/mo
Deposit HK$15.35M · loan HK$23.02M · min. income ≈ HK$246,212/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,630,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,484
−HK$7,681/mo
▼ 0.25% · 3.875%
HK$126,294
−HK$3,871/mo
Today · 4.125%
HK$130,165
baseline
▲ 0.50% · 4.625%
HK$138,085
+HK$7,920/mo
Deposit HK$11.51M · loan HK$26.86M · min. income ≈ HK$260,330/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,630,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,262
−HK$7,362/mo
▼ 0.25% · 3.875%
HK$139,917
−HK$3,707/mo
Today · 4.125%
HK$143,624
baseline
▲ 0.50% · 4.625%
HK$151,195
+HK$7,571/mo
Deposit HK$11.51M · loan HK$26.86M · min. income ≈ HK$287,248/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,630,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,479
−HK$9,876/mo
▼ 0.25% · 3.875%
HK$162,378
−HK$4,977/mo
Today · 4.125%
HK$167,355
baseline
▲ 0.50% · 4.625%
HK$177,538
+HK$10,183/mo
Deposit HK$3.84M · loan HK$34.53M · min. income ≈ HK$334,710/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,630,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,194
−HK$9,465/mo
▼ 0.25% · 3.875%
HK$179,893
−HK$4,766/mo
Today · 4.125%
HK$184,659
baseline
▲ 0.50% · 4.625%
HK$194,393
+HK$9,734/mo
Deposit HK$3.84M · loan HK$34.53M · min. income ≈ HK$369,318/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,630,633 · Scale 2, in force from 26 Feb 2026)