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$87,425
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$90,144
−HK$2,763/mo
Today · 4.125%
HK$92,907
baseline
▲ 0.50% · 4.625%
HK$98,560
+HK$5,653/mo
Deposit HK$19.17M · loan HK$19.17M · min. income ≈ HK$185,814/mo (50% DSR)
Upfront cash ≈ HK$20.80M (deposit + AVD stamp duty HK$1,629,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,259
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$99,868
−HK$2,646/mo
Today · 4.125%
HK$102,514
baseline
▲ 0.50% · 4.625%
HK$107,918
+HK$5,404/mo
Deposit HK$19.17M · loan HK$19.17M · min. income ≈ HK$205,028/mo (50% DSR)
Upfront cash ≈ HK$20.80M (deposit + AVD stamp duty HK$1,629,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,910
−HK$6,579/mo
▼ 0.25% · 3.875%
HK$108,173
−HK$3,316/mo
Today · 4.125%
HK$111,489
baseline
▲ 0.50% · 4.625%
HK$118,272
+HK$6,783/mo
Deposit HK$15.34M · loan HK$23.00M · min. income ≈ HK$222,978/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,629,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,711
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$119,841
−HK$3,176/mo
Today · 4.125%
HK$123,017
baseline
▲ 0.50% · 4.625%
HK$129,501
+HK$6,484/mo
Deposit HK$15.34M · loan HK$23.00M · min. income ≈ HK$246,034/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,629,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,395
−HK$7,675/mo
▼ 0.25% · 3.875%
HK$126,202
−HK$3,868/mo
Today · 4.125%
HK$130,070
baseline
▲ 0.50% · 4.625%
HK$137,985
+HK$7,915/mo
Deposit HK$11.50M · loan HK$26.84M · min. income ≈ HK$260,140/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,629,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,163
−HK$7,357/mo
▼ 0.25% · 3.875%
HK$139,815
−HK$3,705/mo
Today · 4.125%
HK$143,520
baseline
▲ 0.50% · 4.625%
HK$151,085
+HK$7,565/mo
Deposit HK$11.50M · loan HK$26.84M · min. income ≈ HK$287,040/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,629,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,365
−HK$9,868/mo
▼ 0.25% · 3.875%
HK$162,260
−HK$4,973/mo
Today · 4.125%
HK$167,233
baseline
▲ 0.50% · 4.625%
HK$177,409
+HK$10,176/mo
Deposit HK$3.83M · loan HK$34.51M · min. income ≈ HK$334,466/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,629,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,067
−HK$9,458/mo
▼ 0.25% · 3.875%
HK$179,762
−HK$4,763/mo
Today · 4.125%
HK$184,525
baseline
▲ 0.50% · 4.625%
HK$194,252
+HK$9,727/mo
Deposit HK$3.83M · loan HK$34.51M · min. income ≈ HK$369,050/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,629,448 · Scale 2, in force from 26 Feb 2026)