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$88,033
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$90,772
−HK$2,782/mo
Today · 4.125%
HK$93,554
baseline
▲ 0.50% · 4.625%
HK$99,246
+HK$5,692/mo
Deposit HK$19.30M · loan HK$19.30M · min. income ≈ HK$187,108/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$1,640,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,936
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$100,563
−HK$2,665/mo
Today · 4.125%
HK$103,228
baseline
▲ 0.50% · 4.625%
HK$108,669
+HK$5,441/mo
Deposit HK$19.30M · loan HK$19.30M · min. income ≈ HK$206,456/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$1,640,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,640
−HK$6,625/mo
▼ 0.25% · 3.875%
HK$108,926
−HK$3,339/mo
Today · 4.125%
HK$112,265
baseline
▲ 0.50% · 4.625%
HK$119,096
+HK$6,831/mo
Deposit HK$15.44M · loan HK$23.16M · min. income ≈ HK$224,530/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,640,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,524
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$120,676
−HK$3,197/mo
Today · 4.125%
HK$123,873
baseline
▲ 0.50% · 4.625%
HK$130,403
+HK$6,530/mo
Deposit HK$15.44M · loan HK$23.16M · min. income ≈ HK$247,746/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,640,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,247
−HK$7,728/mo
▼ 0.25% · 3.875%
HK$127,080
−HK$3,895/mo
Today · 4.125%
HK$130,975
baseline
▲ 0.50% · 4.625%
HK$138,945
+HK$7,970/mo
Deposit HK$11.58M · loan HK$27.02M · min. income ≈ HK$261,950/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,640,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,111
−HK$7,408/mo
▼ 0.25% · 3.875%
HK$140,788
−HK$3,731/mo
Today · 4.125%
HK$144,519
baseline
▲ 0.50% · 4.625%
HK$152,136
+HK$7,617/mo
Deposit HK$11.58M · loan HK$27.02M · min. income ≈ HK$289,038/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,640,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,460
−HK$9,937/mo
▼ 0.25% · 3.875%
HK$163,389
−HK$5,008/mo
Today · 4.125%
HK$168,397
baseline
▲ 0.50% · 4.625%
HK$178,644
+HK$10,247/mo
Deposit HK$3.86M · loan HK$34.75M · min. income ≈ HK$336,794/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,640,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,285
−HK$9,525/mo
▼ 0.25% · 3.875%
HK$181,013
−HK$4,797/mo
Today · 4.125%
HK$185,810
baseline
▲ 0.50% · 4.625%
HK$195,604
+HK$9,794/mo
Deposit HK$3.86M · loan HK$34.75M · min. income ≈ HK$371,620/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,640,790 · Scale 2, in force from 26 Feb 2026)