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$87,419
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$90,139
−HK$2,762/mo
Today · 4.125%
HK$92,901
baseline
▲ 0.50% · 4.625%
HK$98,554
+HK$5,653/mo
Deposit HK$19.17M · loan HK$19.17M · min. income ≈ HK$185,802/mo (50% DSR)
Upfront cash ≈ HK$20.80M (deposit + AVD stamp duty HK$1,629,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,253
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$99,861
−HK$2,646/mo
Today · 4.125%
HK$102,507
baseline
▲ 0.50% · 4.625%
HK$107,911
+HK$5,404/mo
Deposit HK$19.17M · loan HK$19.17M · min. income ≈ HK$205,014/mo (50% DSR)
Upfront cash ≈ HK$20.80M (deposit + AVD stamp duty HK$1,629,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,903
−HK$6,579/mo
▼ 0.25% · 3.875%
HK$108,166
−HK$3,316/mo
Today · 4.125%
HK$111,482
baseline
▲ 0.50% · 4.625%
HK$118,265
+HK$6,783/mo
Deposit HK$15.34M · loan HK$23.00M · min. income ≈ HK$222,964/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,629,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,704
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$119,834
−HK$3,175/mo
Today · 4.125%
HK$123,009
baseline
▲ 0.50% · 4.625%
HK$129,493
+HK$6,484/mo
Deposit HK$15.34M · loan HK$23.00M · min. income ≈ HK$246,018/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,629,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,387
−HK$7,675/mo
▼ 0.25% · 3.875%
HK$126,194
−HK$3,868/mo
Today · 4.125%
HK$130,062
baseline
▲ 0.50% · 4.625%
HK$137,976
+HK$7,914/mo
Deposit HK$11.50M · loan HK$26.84M · min. income ≈ HK$260,124/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,629,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,154
−HK$7,356/mo
▼ 0.25% · 3.875%
HK$139,806
−HK$3,704/mo
Today · 4.125%
HK$143,510
baseline
▲ 0.50% · 4.625%
HK$151,075
+HK$7,565/mo
Deposit HK$11.50M · loan HK$26.84M · min. income ≈ HK$287,020/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,629,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,355
−HK$9,867/mo
▼ 0.25% · 3.875%
HK$162,249
−HK$4,973/mo
Today · 4.125%
HK$167,222
baseline
▲ 0.50% · 4.625%
HK$177,397
+HK$10,175/mo
Deposit HK$3.83M · loan HK$34.50M · min. income ≈ HK$334,444/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,629,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,056
−HK$9,457/mo
▼ 0.25% · 3.875%
HK$179,751
−HK$4,762/mo
Today · 4.125%
HK$184,513
baseline
▲ 0.50% · 4.625%
HK$194,239
+HK$9,726/mo
Deposit HK$3.83M · loan HK$34.50M · min. income ≈ HK$369,026/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,629,345 · Scale 2, in force from 26 Feb 2026)