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$87,083
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$89,792
−HK$2,752/mo
Today · 4.125%
HK$92,544
baseline
▲ 0.50% · 4.625%
HK$98,175
+HK$5,631/mo
Deposit HK$19.10M · loan HK$19.10M · min. income ≈ HK$185,088/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$1,623,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,879
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$99,477
−HK$2,636/mo
Today · 4.125%
HK$102,113
baseline
▲ 0.50% · 4.625%
HK$107,496
+HK$5,383/mo
Deposit HK$19.10M · loan HK$19.10M · min. income ≈ HK$204,226/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$1,623,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,500
−HK$6,553/mo
▼ 0.25% · 3.875%
HK$107,750
−HK$3,303/mo
Today · 4.125%
HK$111,053
baseline
▲ 0.50% · 4.625%
HK$117,810
+HK$6,757/mo
Deposit HK$15.28M · loan HK$22.91M · min. income ≈ HK$222,106/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,623,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,255
−HK$6,281/mo
▼ 0.25% · 3.875%
HK$119,373
−HK$3,163/mo
Today · 4.125%
HK$122,536
baseline
▲ 0.50% · 4.625%
HK$128,995
+HK$6,459/mo
Deposit HK$15.28M · loan HK$22.91M · min. income ≈ HK$245,072/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,623,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,916
−HK$7,646/mo
▼ 0.25% · 3.875%
HK$125,709
−HK$3,853/mo
Today · 4.125%
HK$129,562
baseline
▲ 0.50% · 4.625%
HK$137,445
+HK$7,883/mo
Deposit HK$11.46M · loan HK$26.73M · min. income ≈ HK$259,124/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,623,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,631
−HK$7,327/mo
▼ 0.25% · 3.875%
HK$139,268
−HK$3,690/mo
Today · 4.125%
HK$142,958
baseline
▲ 0.50% · 4.625%
HK$150,494
+HK$7,536/mo
Deposit HK$11.46M · loan HK$26.73M · min. income ≈ HK$285,916/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,623,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,750
−HK$9,829/mo
▼ 0.25% · 3.875%
HK$161,625
−HK$4,954/mo
Today · 4.125%
HK$166,579
baseline
▲ 0.50% · 4.625%
HK$176,715
+HK$10,136/mo
Deposit HK$3.82M · loan HK$34.37M · min. income ≈ HK$333,158/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,623,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,382
−HK$9,422/mo
▼ 0.25% · 3.875%
HK$179,059
−HK$4,745/mo
Today · 4.125%
HK$183,804
baseline
▲ 0.50% · 4.625%
HK$193,492
+HK$9,688/mo
Deposit HK$3.82M · loan HK$34.37M · min. income ≈ HK$367,608/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,623,077 · Scale 2, in force from 26 Feb 2026)