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$87,718
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$90,446
−HK$2,772/mo
Today · 4.125%
HK$93,218
baseline
▲ 0.50% · 4.625%
HK$98,890
+HK$5,672/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$186,436/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,634,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,585
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$100,202
−HK$2,655/mo
Today · 4.125%
HK$102,857
baseline
▲ 0.50% · 4.625%
HK$108,279
+HK$5,422/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$205,714/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,634,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,261
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$108,535
−HK$3,327/mo
Today · 4.125%
HK$111,862
baseline
▲ 0.50% · 4.625%
HK$118,668
+HK$6,806/mo
Deposit HK$15.39M · loan HK$23.08M · min. income ≈ HK$223,724/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,102
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$120,242
−HK$3,187/mo
Today · 4.125%
HK$123,429
baseline
▲ 0.50% · 4.625%
HK$129,935
+HK$6,506/mo
Deposit HK$15.39M · loan HK$23.08M · min. income ≈ HK$246,858/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,805
−HK$7,700/mo
▼ 0.25% · 3.875%
HK$126,624
−HK$3,881/mo
Today · 4.125%
HK$130,505
baseline
▲ 0.50% · 4.625%
HK$138,446
+HK$7,941/mo
Deposit HK$11.54M · loan HK$26.93M · min. income ≈ HK$261,010/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,634,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,619
−HK$7,381/mo
▼ 0.25% · 3.875%
HK$140,283
−HK$3,717/mo
Today · 4.125%
HK$144,000
baseline
▲ 0.50% · 4.625%
HK$151,590
+HK$7,590/mo
Deposit HK$11.54M · loan HK$26.93M · min. income ≈ HK$288,000/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,634,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,892
−HK$9,901/mo
▼ 0.25% · 3.875%
HK$162,803
−HK$4,990/mo
Today · 4.125%
HK$167,793
baseline
▲ 0.50% · 4.625%
HK$178,003
+HK$10,210/mo
Deposit HK$3.85M · loan HK$34.62M · min. income ≈ HK$335,586/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,653
−HK$9,490/mo
▼ 0.25% · 3.875%
HK$180,364
−HK$4,779/mo
Today · 4.125%
HK$185,143
baseline
▲ 0.50% · 4.625%
HK$194,902
+HK$9,759/mo
Deposit HK$3.85M · loan HK$34.62M · min. income ≈ HK$370,286/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,902 · Scale 2, in force from 26 Feb 2026)