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$87,983
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$90,720
−HK$2,780/mo
Today · 4.125%
HK$93,500
baseline
▲ 0.50% · 4.625%
HK$99,190
+HK$5,690/mo
Deposit HK$19.29M · loan HK$19.29M · min. income ≈ HK$187,000/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$1,639,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,880
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$100,505
−HK$2,663/mo
Today · 4.125%
HK$103,168
baseline
▲ 0.50% · 4.625%
HK$108,606
+HK$5,438/mo
Deposit HK$19.29M · loan HK$19.29M · min. income ≈ HK$206,336/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$1,639,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,580
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$108,864
−HK$3,336/mo
Today · 4.125%
HK$112,200
baseline
▲ 0.50% · 4.625%
HK$119,027
+HK$6,827/mo
Deposit HK$15.43M · loan HK$23.15M · min. income ≈ HK$224,400/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,639,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,456
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$120,606
−HK$3,196/mo
Today · 4.125%
HK$123,802
baseline
▲ 0.50% · 4.625%
HK$130,328
+HK$6,526/mo
Deposit HK$15.43M · loan HK$23.15M · min. income ≈ HK$247,604/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,639,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,176
−HK$7,724/mo
▼ 0.25% · 3.875%
HK$127,008
−HK$3,892/mo
Today · 4.125%
HK$130,900
baseline
▲ 0.50% · 4.625%
HK$138,865
+HK$7,965/mo
Deposit HK$11.58M · loan HK$27.01M · min. income ≈ HK$261,800/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,639,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,032
−HK$7,404/mo
▼ 0.25% · 3.875%
HK$140,707
−HK$3,729/mo
Today · 4.125%
HK$144,436
baseline
▲ 0.50% · 4.625%
HK$152,049
+HK$7,613/mo
Deposit HK$11.58M · loan HK$27.01M · min. income ≈ HK$288,872/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,639,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,369
−HK$9,932/mo
▼ 0.25% · 3.875%
HK$163,296
−HK$5,005/mo
Today · 4.125%
HK$168,301
baseline
▲ 0.50% · 4.625%
HK$178,541
+HK$10,240/mo
Deposit HK$3.86M · loan HK$34.73M · min. income ≈ HK$336,602/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,639,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,184
−HK$9,519/mo
▼ 0.25% · 3.875%
HK$180,910
−HK$4,793/mo
Today · 4.125%
HK$185,703
baseline
▲ 0.50% · 4.625%
HK$195,492
+HK$9,789/mo
Deposit HK$3.86M · loan HK$34.73M · min. income ≈ HK$371,406/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,639,850 · Scale 2, in force from 26 Feb 2026)