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$86,902
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$89,606
−HK$2,746/mo
Today · 4.125%
HK$92,352
baseline
▲ 0.50% · 4.625%
HK$97,971
+HK$5,619/mo
Deposit HK$19.06M · loan HK$19.06M · min. income ≈ HK$184,704/mo (50% DSR)
Upfront cash ≈ HK$20.68M (deposit + AVD stamp duty HK$1,619,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,678
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$99,271
−HK$2,630/mo
Today · 4.125%
HK$101,901
baseline
▲ 0.50% · 4.625%
HK$107,273
+HK$5,372/mo
Deposit HK$19.06M · loan HK$19.06M · min. income ≈ HK$203,802/mo (50% DSR)
Upfront cash ≈ HK$20.68M (deposit + AVD stamp duty HK$1,619,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,283
−HK$6,539/mo
▼ 0.25% · 3.875%
HK$107,527
−HK$3,295/mo
Today · 4.125%
HK$110,822
baseline
▲ 0.50% · 4.625%
HK$117,566
+HK$6,744/mo
Deposit HK$15.24M · loan HK$22.87M · min. income ≈ HK$221,644/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,619,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,014
−HK$6,268/mo
▼ 0.25% · 3.875%
HK$119,125
−HK$3,157/mo
Today · 4.125%
HK$122,282
baseline
▲ 0.50% · 4.625%
HK$128,727
+HK$6,445/mo
Deposit HK$15.24M · loan HK$22.87M · min. income ≈ HK$244,564/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,619,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,663
−HK$7,630/mo
▼ 0.25% · 3.875%
HK$125,448
−HK$3,845/mo
Today · 4.125%
HK$129,293
baseline
▲ 0.50% · 4.625%
HK$137,160
+HK$7,867/mo
Deposit HK$11.43M · loan HK$26.68M · min. income ≈ HK$258,586/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,619,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,349
−HK$7,313/mo
▼ 0.25% · 3.875%
HK$138,979
−HK$3,683/mo
Today · 4.125%
HK$142,662
baseline
▲ 0.50% · 4.625%
HK$150,182
+HK$7,520/mo
Deposit HK$11.43M · loan HK$26.68M · min. income ≈ HK$285,324/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,619,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,424
−HK$9,810/mo
▼ 0.25% · 3.875%
HK$161,290
−HK$4,944/mo
Today · 4.125%
HK$166,234
baseline
▲ 0.50% · 4.625%
HK$176,348
+HK$10,114/mo
Deposit HK$3.81M · loan HK$34.30M · min. income ≈ HK$332,468/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,619,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,020
−HK$9,402/mo
▼ 0.25% · 3.875%
HK$178,688
−HK$4,734/mo
Today · 4.125%
HK$183,422
baseline
▲ 0.50% · 4.625%
HK$193,091
+HK$9,669/mo
Deposit HK$3.81M · loan HK$34.30M · min. income ≈ HK$366,844/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,619,709 · Scale 2, in force from 26 Feb 2026)