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$87,687
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$90,414
−HK$2,772/mo
Today · 4.125%
HK$93,186
baseline
▲ 0.50% · 4.625%
HK$98,856
+HK$5,670/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$186,372/mo (50% DSR)
Upfront cash ≈ HK$20.86M (deposit + AVD stamp duty HK$1,634,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,551
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$100,167
−HK$2,654/mo
Today · 4.125%
HK$102,821
baseline
▲ 0.50% · 4.625%
HK$108,241
+HK$5,420/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$205,642/mo (50% DSR)
Upfront cash ≈ HK$20.86M (deposit + AVD stamp duty HK$1,634,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,224
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$108,497
−HK$3,326/mo
Today · 4.125%
HK$111,823
baseline
▲ 0.50% · 4.625%
HK$118,627
+HK$6,804/mo
Deposit HK$15.38M · loan HK$23.07M · min. income ≈ HK$223,646/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,061
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$120,200
−HK$3,185/mo
Today · 4.125%
HK$123,385
baseline
▲ 0.50% · 4.625%
HK$129,889
+HK$6,504/mo
Deposit HK$15.38M · loan HK$23.07M · min. income ≈ HK$246,770/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,762
−HK$7,698/mo
▼ 0.25% · 3.875%
HK$126,580
−HK$3,880/mo
Today · 4.125%
HK$130,460
baseline
▲ 0.50% · 4.625%
HK$138,398
+HK$7,938/mo
Deposit HK$11.54M · loan HK$26.92M · min. income ≈ HK$260,920/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,571
−HK$7,379/mo
▼ 0.25% · 3.875%
HK$140,234
−HK$3,716/mo
Today · 4.125%
HK$143,950
baseline
▲ 0.50% · 4.625%
HK$151,537
+HK$7,587/mo
Deposit HK$11.54M · loan HK$26.92M · min. income ≈ HK$287,900/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,836
−HK$9,898/mo
▼ 0.25% · 3.875%
HK$162,746
−HK$4,988/mo
Today · 4.125%
HK$167,734
baseline
▲ 0.50% · 4.625%
HK$177,940
+HK$10,206/mo
Deposit HK$3.85M · loan HK$34.61M · min. income ≈ HK$335,468/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,591
−HK$9,487/mo
▼ 0.25% · 3.875%
HK$180,301
−HK$4,777/mo
Today · 4.125%
HK$185,078
baseline
▲ 0.50% · 4.625%
HK$194,834
+HK$9,756/mo
Deposit HK$3.85M · loan HK$34.61M · min. income ≈ HK$370,156/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,332 · Scale 2, in force from 26 Feb 2026)