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$87,504
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$90,226
−HK$2,766/mo
Today · 4.125%
HK$92,992
baseline
▲ 0.50% · 4.625%
HK$98,650
+HK$5,658/mo
Deposit HK$19.19M · loan HK$19.19M · min. income ≈ HK$185,984/mo (50% DSR)
Upfront cash ≈ HK$20.82M (deposit + AVD stamp duty HK$1,630,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,348
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$99,958
−HK$2,649/mo
Today · 4.125%
HK$102,607
baseline
▲ 0.50% · 4.625%
HK$108,016
+HK$5,409/mo
Deposit HK$19.19M · loan HK$19.19M · min. income ≈ HK$205,214/mo (50% DSR)
Upfront cash ≈ HK$20.82M (deposit + AVD stamp duty HK$1,630,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,005
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$108,271
−HK$3,319/mo
Today · 4.125%
HK$111,590
baseline
▲ 0.50% · 4.625%
HK$118,380
+HK$6,790/mo
Deposit HK$15.35M · loan HK$23.02M · min. income ≈ HK$223,180/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,630,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,817
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$119,950
−HK$3,178/mo
Today · 4.125%
HK$123,128
baseline
▲ 0.50% · 4.625%
HK$129,619
+HK$6,491/mo
Deposit HK$15.35M · loan HK$23.02M · min. income ≈ HK$246,256/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,630,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,506
−HK$7,682/mo
▼ 0.25% · 3.875%
HK$126,317
−HK$3,871/mo
Today · 4.125%
HK$130,188
baseline
▲ 0.50% · 4.625%
HK$138,110
+HK$7,922/mo
Deposit HK$11.51M · loan HK$26.86M · min. income ≈ HK$260,376/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,630,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,287
−HK$7,363/mo
▼ 0.25% · 3.875%
HK$139,942
−HK$3,708/mo
Today · 4.125%
HK$143,650
baseline
▲ 0.50% · 4.625%
HK$151,222
+HK$7,572/mo
Deposit HK$11.51M · loan HK$26.86M · min. income ≈ HK$287,300/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,630,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,508
−HK$9,877/mo
▼ 0.25% · 3.875%
HK$162,407
−HK$4,978/mo
Today · 4.125%
HK$167,385
baseline
▲ 0.50% · 4.625%
HK$177,570
+HK$10,185/mo
Deposit HK$3.84M · loan HK$34.54M · min. income ≈ HK$334,770/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,630,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,226
−HK$9,467/mo
▼ 0.25% · 3.875%
HK$179,925
−HK$4,768/mo
Today · 4.125%
HK$184,693
baseline
▲ 0.50% · 4.625%
HK$194,428
+HK$9,735/mo
Deposit HK$3.84M · loan HK$34.54M · min. income ≈ HK$369,386/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,630,927 · Scale 2, in force from 26 Feb 2026)