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$87,074
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$89,782
−HK$2,752/mo
Today · 4.125%
HK$92,534
baseline
▲ 0.50% · 4.625%
HK$98,165
+HK$5,631/mo
Deposit HK$19.09M · loan HK$19.09M · min. income ≈ HK$185,068/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$1,622,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,869
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$99,467
−HK$2,635/mo
Today · 4.125%
HK$102,102
baseline
▲ 0.50% · 4.625%
HK$107,484
+HK$5,382/mo
Deposit HK$19.09M · loan HK$19.09M · min. income ≈ HK$204,204/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$1,622,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,489
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$107,739
−HK$3,302/mo
Today · 4.125%
HK$111,041
baseline
▲ 0.50% · 4.625%
HK$117,797
+HK$6,756/mo
Deposit HK$15.27M · loan HK$22.91M · min. income ≈ HK$222,082/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,622,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,242
−HK$6,281/mo
▼ 0.25% · 3.875%
HK$119,360
−HK$3,163/mo
Today · 4.125%
HK$122,523
baseline
▲ 0.50% · 4.625%
HK$128,981
+HK$6,458/mo
Deposit HK$15.27M · loan HK$22.91M · min. income ≈ HK$245,046/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,622,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,903
−HK$7,645/mo
▼ 0.25% · 3.875%
HK$125,695
−HK$3,853/mo
Today · 4.125%
HK$129,548
baseline
▲ 0.50% · 4.625%
HK$137,430
+HK$7,882/mo
Deposit HK$11.46M · loan HK$26.73M · min. income ≈ HK$259,096/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,622,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,616
−HK$7,327/mo
▼ 0.25% · 3.875%
HK$139,253
−HK$3,690/mo
Today · 4.125%
HK$142,943
baseline
▲ 0.50% · 4.625%
HK$150,478
+HK$7,535/mo
Deposit HK$11.46M · loan HK$26.73M · min. income ≈ HK$285,886/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,622,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,733
−HK$9,828/mo
▼ 0.25% · 3.875%
HK$161,608
−HK$4,953/mo
Today · 4.125%
HK$166,561
baseline
▲ 0.50% · 4.625%
HK$176,696
+HK$10,135/mo
Deposit HK$3.82M · loan HK$34.37M · min. income ≈ HK$333,122/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,622,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,364
−HK$9,420/mo
▼ 0.25% · 3.875%
HK$179,040
−HK$4,744/mo
Today · 4.125%
HK$183,784
baseline
▲ 0.50% · 4.625%
HK$193,472
+HK$9,688/mo
Deposit HK$3.82M · loan HK$34.37M · min. income ≈ HK$367,568/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,622,904 · Scale 2, in force from 26 Feb 2026)