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$87,312
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$90,028
−HK$2,759/mo
Today · 4.125%
HK$92,787
baseline
▲ 0.50% · 4.625%
HK$98,433
+HK$5,646/mo
Deposit HK$19.15M · loan HK$19.15M · min. income ≈ HK$185,574/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,627,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,134
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$99,739
−HK$2,643/mo
Today · 4.125%
HK$102,382
baseline
▲ 0.50% · 4.625%
HK$107,778
+HK$5,396/mo
Deposit HK$19.15M · loan HK$19.15M · min. income ≈ HK$204,764/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,627,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,775
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$108,034
−HK$3,311/mo
Today · 4.125%
HK$111,345
baseline
▲ 0.50% · 4.625%
HK$118,120
+HK$6,775/mo
Deposit HK$15.32M · loan HK$22.97M · min. income ≈ HK$222,690/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,627,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,561
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$119,687
−HK$3,171/mo
Today · 4.125%
HK$122,858
baseline
▲ 0.50% · 4.625%
HK$129,334
+HK$6,476/mo
Deposit HK$15.32M · loan HK$22.97M · min. income ≈ HK$245,716/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,627,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,237
−HK$7,665/mo
▼ 0.25% · 3.875%
HK$126,039
−HK$3,863/mo
Today · 4.125%
HK$129,902
baseline
▲ 0.50% · 4.625%
HK$137,807
+HK$7,905/mo
Deposit HK$11.49M · loan HK$26.80M · min. income ≈ HK$259,804/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,627,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,987
−HK$7,347/mo
▼ 0.25% · 3.875%
HK$139,635
−HK$3,699/mo
Today · 4.125%
HK$143,334
baseline
▲ 0.50% · 4.625%
HK$150,890
+HK$7,556/mo
Deposit HK$11.49M · loan HK$26.80M · min. income ≈ HK$286,668/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,627,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,162
−HK$9,855/mo
▼ 0.25% · 3.875%
HK$162,050
−HK$4,967/mo
Today · 4.125%
HK$167,017
baseline
▲ 0.50% · 4.625%
HK$177,180
+HK$10,163/mo
Deposit HK$3.83M · loan HK$34.46M · min. income ≈ HK$334,034/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,627,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,841
−HK$9,446/mo
▼ 0.25% · 3.875%
HK$179,530
−HK$4,757/mo
Today · 4.125%
HK$184,287
baseline
▲ 0.50% · 4.625%
HK$194,001
+HK$9,714/mo
Deposit HK$3.83M · loan HK$34.46M · min. income ≈ HK$368,574/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,627,346 · Scale 2, in force from 26 Feb 2026)