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$87,460
−HK$5,484/mo
▼ 0.25% · 3.875%
HK$90,180
−HK$2,764/mo
Today · 4.125%
HK$92,944
baseline
▲ 0.50% · 4.625%
HK$98,600
+HK$5,656/mo
Deposit HK$19.18M · loan HK$19.18M · min. income ≈ HK$185,888/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$1,630,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,298
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$99,907
−HK$2,648/mo
Today · 4.125%
HK$102,555
baseline
▲ 0.50% · 4.625%
HK$107,960
+HK$5,405/mo
Deposit HK$19.18M · loan HK$19.18M · min. income ≈ HK$205,110/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$1,630,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,952
−HK$6,581/mo
▼ 0.25% · 3.875%
HK$108,216
−HK$3,317/mo
Today · 4.125%
HK$111,533
baseline
▲ 0.50% · 4.625%
HK$118,319
+HK$6,786/mo
Deposit HK$15.34M · loan HK$23.01M · min. income ≈ HK$223,066/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,630,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,758
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$119,889
−HK$3,177/mo
Today · 4.125%
HK$123,066
baseline
▲ 0.50% · 4.625%
HK$129,553
+HK$6,487/mo
Deposit HK$15.34M · loan HK$23.01M · min. income ≈ HK$246,132/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,630,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,444
−HK$7,678/mo
▼ 0.25% · 3.875%
HK$126,252
−HK$3,870/mo
Today · 4.125%
HK$130,122
baseline
▲ 0.50% · 4.625%
HK$138,039
+HK$7,917/mo
Deposit HK$11.51M · loan HK$26.85M · min. income ≈ HK$260,244/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,630,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,217
−HK$7,360/mo
▼ 0.25% · 3.875%
HK$139,870
−HK$3,707/mo
Today · 4.125%
HK$143,577
baseline
▲ 0.50% · 4.625%
HK$151,145
+HK$7,568/mo
Deposit HK$11.51M · loan HK$26.85M · min. income ≈ HK$287,154/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,630,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,427
−HK$9,872/mo
▼ 0.25% · 3.875%
HK$162,324
−HK$4,975/mo
Today · 4.125%
HK$167,299
baseline
▲ 0.50% · 4.625%
HK$177,479
+HK$10,180/mo
Deposit HK$3.84M · loan HK$34.52M · min. income ≈ HK$334,598/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,630,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,136
−HK$9,462/mo
▼ 0.25% · 3.875%
HK$179,833
−HK$4,765/mo
Today · 4.125%
HK$184,598
baseline
▲ 0.50% · 4.625%
HK$194,329
+HK$9,731/mo
Deposit HK$3.84M · loan HK$34.52M · min. income ≈ HK$369,196/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,630,096 · Scale 2, in force from 26 Feb 2026)