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$87,511
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$90,233
−HK$2,766/mo
Today · 4.125%
HK$92,999
baseline
▲ 0.50% · 4.625%
HK$98,657
+HK$5,658/mo
Deposit HK$19.19M · loan HK$19.19M · min. income ≈ HK$185,998/mo (50% DSR)
Upfront cash ≈ HK$20.82M (deposit + AVD stamp duty HK$1,631,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,355
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$99,966
−HK$2,649/mo
Today · 4.125%
HK$102,615
baseline
▲ 0.50% · 4.625%
HK$108,024
+HK$5,409/mo
Deposit HK$19.19M · loan HK$19.19M · min. income ≈ HK$205,230/mo (50% DSR)
Upfront cash ≈ HK$20.82M (deposit + AVD stamp duty HK$1,631,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,013
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$108,279
−HK$3,319/mo
Today · 4.125%
HK$111,598
baseline
▲ 0.50% · 4.625%
HK$118,389
+HK$6,791/mo
Deposit HK$15.35M · loan HK$23.03M · min. income ≈ HK$223,196/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,631,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,826
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$119,959
−HK$3,179/mo
Today · 4.125%
HK$123,138
baseline
▲ 0.50% · 4.625%
HK$129,628
+HK$6,490/mo
Deposit HK$15.35M · loan HK$23.03M · min. income ≈ HK$246,276/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,631,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,515
−HK$7,683/mo
▼ 0.25% · 3.875%
HK$126,326
−HK$3,872/mo
Today · 4.125%
HK$130,198
baseline
▲ 0.50% · 4.625%
HK$138,120
+HK$7,922/mo
Deposit HK$11.51M · loan HK$26.86M · min. income ≈ HK$260,396/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,631,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,297
−HK$7,364/mo
▼ 0.25% · 3.875%
HK$139,952
−HK$3,709/mo
Today · 4.125%
HK$143,661
baseline
▲ 0.50% · 4.625%
HK$151,233
+HK$7,572/mo
Deposit HK$11.51M · loan HK$26.86M · min. income ≈ HK$287,322/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,631,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,519
−HK$9,878/mo
▼ 0.25% · 3.875%
HK$162,419
−HK$4,978/mo
Today · 4.125%
HK$167,397
baseline
▲ 0.50% · 4.625%
HK$177,583
+HK$10,186/mo
Deposit HK$3.84M · loan HK$34.54M · min. income ≈ HK$334,794/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,631,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,239
−HK$9,467/mo
▼ 0.25% · 3.875%
HK$179,939
−HK$4,767/mo
Today · 4.125%
HK$184,706
baseline
▲ 0.50% · 4.625%
HK$194,443
+HK$9,737/mo
Deposit HK$3.84M · loan HK$34.54M · min. income ≈ HK$369,412/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,631,049 · Scale 2, in force from 26 Feb 2026)