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$88,046
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$90,785
−HK$2,782/mo
Today · 4.125%
HK$93,567
baseline
▲ 0.50% · 4.625%
HK$99,261
+HK$5,694/mo
Deposit HK$19.31M · loan HK$19.31M · min. income ≈ HK$187,134/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$1,641,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,950
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$100,577
−HK$2,665/mo
Today · 4.125%
HK$103,242
baseline
▲ 0.50% · 4.625%
HK$108,684
+HK$5,442/mo
Deposit HK$19.31M · loan HK$19.31M · min. income ≈ HK$206,484/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$1,641,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,655
−HK$6,626/mo
▼ 0.25% · 3.875%
HK$108,942
−HK$3,339/mo
Today · 4.125%
HK$112,281
baseline
▲ 0.50% · 4.625%
HK$119,113
+HK$6,832/mo
Deposit HK$15.44M · loan HK$23.17M · min. income ≈ HK$224,562/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,540
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$120,693
−HK$3,198/mo
Today · 4.125%
HK$123,891
baseline
▲ 0.50% · 4.625%
HK$130,421
+HK$6,530/mo
Deposit HK$15.44M · loan HK$23.17M · min. income ≈ HK$247,782/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,265
−HK$7,729/mo
▼ 0.25% · 3.875%
HK$127,099
−HK$3,895/mo
Today · 4.125%
HK$130,994
baseline
▲ 0.50% · 4.625%
HK$138,965
+HK$7,971/mo
Deposit HK$11.58M · loan HK$27.03M · min. income ≈ HK$261,988/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,641,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,131
−HK$7,408/mo
▼ 0.25% · 3.875%
HK$140,808
−HK$3,731/mo
Today · 4.125%
HK$144,539
baseline
▲ 0.50% · 4.625%
HK$152,158
+HK$7,619/mo
Deposit HK$11.58M · loan HK$27.03M · min. income ≈ HK$289,078/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,641,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,483
−HK$9,938/mo
▼ 0.25% · 3.875%
HK$163,413
−HK$5,008/mo
Today · 4.125%
HK$168,421
baseline
▲ 0.50% · 4.625%
HK$178,669
+HK$10,248/mo
Deposit HK$3.86M · loan HK$34.75M · min. income ≈ HK$336,842/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,311
−HK$9,525/mo
▼ 0.25% · 3.875%
HK$181,039
−HK$4,797/mo
Today · 4.125%
HK$185,836
baseline
▲ 0.50% · 4.625%
HK$195,632
+HK$9,796/mo
Deposit HK$3.86M · loan HK$34.75M · min. income ≈ HK$371,672/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,026 · Scale 2, in force from 26 Feb 2026)