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$87,570
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$90,293
−HK$2,768/mo
Today · 4.125%
HK$93,061
baseline
▲ 0.50% · 4.625%
HK$98,723
+HK$5,662/mo
Deposit HK$19.20M · loan HK$19.20M · min. income ≈ HK$186,122/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$1,632,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,420
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$100,033
−HK$2,651/mo
Today · 4.125%
HK$102,684
baseline
▲ 0.50% · 4.625%
HK$108,096
+HK$5,412/mo
Deposit HK$19.20M · loan HK$19.20M · min. income ≈ HK$205,368/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$1,632,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,083
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$108,352
−HK$3,321/mo
Today · 4.125%
HK$111,673
baseline
▲ 0.50% · 4.625%
HK$118,468
+HK$6,795/mo
Deposit HK$15.36M · loan HK$23.04M · min. income ≈ HK$223,346/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,632,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,904
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$120,040
−HK$3,180/mo
Today · 4.125%
HK$123,220
baseline
▲ 0.50% · 4.625%
HK$129,715
+HK$6,495/mo
Deposit HK$15.36M · loan HK$23.04M · min. income ≈ HK$246,440/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,632,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,597
−HK$7,688/mo
▼ 0.25% · 3.875%
HK$126,411
−HK$3,874/mo
Today · 4.125%
HK$130,285
baseline
▲ 0.50% · 4.625%
HK$138,213
+HK$7,928/mo
Deposit HK$11.52M · loan HK$26.88M · min. income ≈ HK$260,570/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,632,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,388
−HK$7,369/mo
▼ 0.25% · 3.875%
HK$140,046
−HK$3,711/mo
Today · 4.125%
HK$143,757
baseline
▲ 0.50% · 4.625%
HK$151,335
+HK$7,578/mo
Deposit HK$11.52M · loan HK$26.88M · min. income ≈ HK$287,514/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,632,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,625
−HK$9,885/mo
▼ 0.25% · 3.875%
HK$162,528
−HK$4,982/mo
Today · 4.125%
HK$167,510
baseline
▲ 0.50% · 4.625%
HK$177,702
+HK$10,192/mo
Deposit HK$3.84M · loan HK$34.56M · min. income ≈ HK$335,020/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,632,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,356
−HK$9,474/mo
▼ 0.25% · 3.875%
HK$180,059
−HK$4,771/mo
Today · 4.125%
HK$184,830
baseline
▲ 0.50% · 4.625%
HK$194,573
+HK$9,743/mo
Deposit HK$3.84M · loan HK$34.56M · min. income ≈ HK$369,660/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,632,144 · Scale 2, in force from 26 Feb 2026)