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$87,077
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$89,785
−HK$2,752/mo
Today · 4.125%
HK$92,537
baseline
▲ 0.50% · 4.625%
HK$98,168
+HK$5,631/mo
Deposit HK$19.09M · loan HK$19.09M · min. income ≈ HK$185,074/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$1,622,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,872
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$99,470
−HK$2,636/mo
Today · 4.125%
HK$102,106
baseline
▲ 0.50% · 4.625%
HK$107,488
+HK$5,382/mo
Deposit HK$19.09M · loan HK$19.09M · min. income ≈ HK$204,212/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$1,622,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,492
−HK$6,553/mo
▼ 0.25% · 3.875%
HK$107,742
−HK$3,303/mo
Today · 4.125%
HK$111,045
baseline
▲ 0.50% · 4.625%
HK$117,802
+HK$6,757/mo
Deposit HK$15.27M · loan HK$22.91M · min. income ≈ HK$222,090/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,622,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,247
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$119,364
−HK$3,163/mo
Today · 4.125%
HK$122,527
baseline
▲ 0.50% · 4.625%
HK$128,986
+HK$6,459/mo
Deposit HK$15.27M · loan HK$22.91M · min. income ≈ HK$245,054/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,622,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,908
−HK$7,644/mo
▼ 0.25% · 3.875%
HK$125,700
−HK$3,852/mo
Today · 4.125%
HK$129,552
baseline
▲ 0.50% · 4.625%
HK$137,435
+HK$7,883/mo
Deposit HK$11.46M · loan HK$26.73M · min. income ≈ HK$259,104/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,622,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,621
−HK$7,327/mo
▼ 0.25% · 3.875%
HK$139,258
−HK$3,690/mo
Today · 4.125%
HK$142,948
baseline
▲ 0.50% · 4.625%
HK$150,483
+HK$7,535/mo
Deposit HK$11.46M · loan HK$26.73M · min. income ≈ HK$285,896/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,622,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,738
−HK$9,829/mo
▼ 0.25% · 3.875%
HK$161,614
−HK$4,953/mo
Today · 4.125%
HK$166,567
baseline
▲ 0.50% · 4.625%
HK$176,702
+HK$10,135/mo
Deposit HK$3.82M · loan HK$34.37M · min. income ≈ HK$333,134/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,622,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,370
−HK$9,420/mo
▼ 0.25% · 3.875%
HK$179,046
−HK$4,744/mo
Today · 4.125%
HK$183,790
baseline
▲ 0.50% · 4.625%
HK$193,478
+HK$9,688/mo
Deposit HK$3.82M · loan HK$34.37M · min. income ≈ HK$367,580/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,622,960 · Scale 2, in force from 26 Feb 2026)