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$87,579
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$90,303
−HK$2,768/mo
Today · 4.125%
HK$93,071
baseline
▲ 0.50% · 4.625%
HK$98,734
+HK$5,663/mo
Deposit HK$19.20M · loan HK$19.20M · min. income ≈ HK$186,142/mo (50% DSR)
Upfront cash ≈ HK$20.84M (deposit + AVD stamp duty HK$1,632,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,431
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$100,044
−HK$2,651/mo
Today · 4.125%
HK$102,695
baseline
▲ 0.50% · 4.625%
HK$108,108
+HK$5,413/mo
Deposit HK$19.20M · loan HK$19.20M · min. income ≈ HK$205,390/mo (50% DSR)
Upfront cash ≈ HK$20.84M (deposit + AVD stamp duty HK$1,632,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,095
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$108,364
−HK$3,321/mo
Today · 4.125%
HK$111,685
baseline
▲ 0.50% · 4.625%
HK$118,481
+HK$6,796/mo
Deposit HK$15.36M · loan HK$23.04M · min. income ≈ HK$223,370/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,632,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,917
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$120,053
−HK$3,181/mo
Today · 4.125%
HK$123,234
baseline
▲ 0.50% · 4.625%
HK$129,729
+HK$6,495/mo
Deposit HK$15.36M · loan HK$23.04M · min. income ≈ HK$246,468/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,632,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,611
−HK$7,688/mo
▼ 0.25% · 3.875%
HK$126,425
−HK$3,874/mo
Today · 4.125%
HK$130,299
baseline
▲ 0.50% · 4.625%
HK$138,228
+HK$7,929/mo
Deposit HK$11.52M · loan HK$26.89M · min. income ≈ HK$260,598/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,632,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,403
−HK$7,370/mo
▼ 0.25% · 3.875%
HK$140,061
−HK$3,712/mo
Today · 4.125%
HK$143,773
baseline
▲ 0.50% · 4.625%
HK$151,351
+HK$7,578/mo
Deposit HK$11.52M · loan HK$26.89M · min. income ≈ HK$287,546/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,632,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,642
−HK$9,886/mo
▼ 0.25% · 3.875%
HK$162,546
−HK$4,982/mo
Today · 4.125%
HK$167,528
baseline
▲ 0.50% · 4.625%
HK$177,722
+HK$10,194/mo
Deposit HK$3.84M · loan HK$34.57M · min. income ≈ HK$335,056/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,632,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,375
−HK$9,475/mo
▼ 0.25% · 3.875%
HK$180,079
−HK$4,771/mo
Today · 4.125%
HK$184,850
baseline
▲ 0.50% · 4.625%
HK$194,594
+HK$9,744/mo
Deposit HK$3.84M · loan HK$34.57M · min. income ≈ HK$369,700/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,632,321 · Scale 2, in force from 26 Feb 2026)