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$86,764
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$89,463
−HK$2,742/mo
Today · 4.125%
HK$92,205
baseline
▲ 0.50% · 4.625%
HK$97,815
+HK$5,610/mo
Deposit HK$19.02M · loan HK$19.02M · min. income ≈ HK$184,410/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$1,617,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,524
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$99,112
−HK$2,627/mo
Today · 4.125%
HK$101,739
baseline
▲ 0.50% · 4.625%
HK$107,101
+HK$5,362/mo
Deposit HK$19.02M · loan HK$19.02M · min. income ≈ HK$203,478/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$1,617,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,116
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$107,355
−HK$3,290/mo
Today · 4.125%
HK$110,645
baseline
▲ 0.50% · 4.625%
HK$117,378
+HK$6,733/mo
Deposit HK$15.22M · loan HK$22.83M · min. income ≈ HK$221,290/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,617,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,829
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$118,935
−HK$3,151/mo
Today · 4.125%
HK$122,086
baseline
▲ 0.50% · 4.625%
HK$128,522
+HK$6,436/mo
Deposit HK$15.22M · loan HK$22.83M · min. income ≈ HK$244,172/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,617,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,469
−HK$7,617/mo
▼ 0.25% · 3.875%
HK$125,248
−HK$3,838/mo
Today · 4.125%
HK$129,086
baseline
▲ 0.50% · 4.625%
HK$136,941
+HK$7,855/mo
Deposit HK$11.41M · loan HK$26.63M · min. income ≈ HK$258,172/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,617,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,133
−HK$7,301/mo
▼ 0.25% · 3.875%
HK$138,757
−HK$3,677/mo
Today · 4.125%
HK$142,434
baseline
▲ 0.50% · 4.625%
HK$149,942
+HK$7,508/mo
Deposit HK$11.41M · loan HK$26.63M · min. income ≈ HK$284,868/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,617,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,175
−HK$9,793/mo
▼ 0.25% · 3.875%
HK$161,033
−HK$4,935/mo
Today · 4.125%
HK$165,968
baseline
▲ 0.50% · 4.625%
HK$176,067
+HK$10,099/mo
Deposit HK$3.80M · loan HK$34.24M · min. income ≈ HK$331,936/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,617,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,743
−HK$9,387/mo
▼ 0.25% · 3.875%
HK$178,402
−HK$4,728/mo
Today · 4.125%
HK$183,130
baseline
▲ 0.50% · 4.625%
HK$192,783
+HK$9,653/mo
Deposit HK$3.80M · loan HK$34.24M · min. income ≈ HK$366,260/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,617,125 · Scale 2, in force from 26 Feb 2026)