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$86,674
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$89,370
−HK$2,740/mo
Today · 4.125%
HK$92,110
baseline
▲ 0.50% · 4.625%
HK$97,714
+HK$5,604/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$184,220/mo (50% DSR)
Upfront cash ≈ HK$20.62M (deposit + AVD stamp duty HK$1,615,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,424
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$99,010
−HK$2,624/mo
Today · 4.125%
HK$101,634
baseline
▲ 0.50% · 4.625%
HK$106,991
+HK$5,357/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$203,268/mo (50% DSR)
Upfront cash ≈ HK$20.62M (deposit + AVD stamp duty HK$1,615,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,009
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$107,244
−HK$3,287/mo
Today · 4.125%
HK$110,531
baseline
▲ 0.50% · 4.625%
HK$117,257
+HK$6,726/mo
Deposit HK$15.20M · loan HK$22.81M · min. income ≈ HK$221,062/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,709
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$118,812
−HK$3,149/mo
Today · 4.125%
HK$121,961
baseline
▲ 0.50% · 4.625%
HK$128,389
+HK$6,428/mo
Deposit HK$15.20M · loan HK$22.81M · min. income ≈ HK$243,922/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,344
−HK$7,609/mo
▼ 0.25% · 3.875%
HK$125,118
−HK$3,835/mo
Today · 4.125%
HK$128,953
baseline
▲ 0.50% · 4.625%
HK$136,800
+HK$7,847/mo
Deposit HK$11.40M · loan HK$26.61M · min. income ≈ HK$257,906/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,994
−HK$7,293/mo
▼ 0.25% · 3.875%
HK$138,614
−HK$3,673/mo
Today · 4.125%
HK$142,287
baseline
▲ 0.50% · 4.625%
HK$149,787
+HK$7,500/mo
Deposit HK$11.40M · loan HK$26.61M · min. income ≈ HK$284,574/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,014
−HK$9,783/mo
▼ 0.25% · 3.875%
HK$160,867
−HK$4,930/mo
Today · 4.125%
HK$165,797
baseline
▲ 0.50% · 4.625%
HK$175,886
+HK$10,089/mo
Deposit HK$3.80M · loan HK$34.21M · min. income ≈ HK$331,594/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,564
−HK$9,377/mo
▼ 0.25% · 3.875%
HK$178,219
−HK$4,722/mo
Today · 4.125%
HK$182,941
baseline
▲ 0.50% · 4.625%
HK$192,584
+HK$9,643/mo
Deposit HK$3.80M · loan HK$34.21M · min. income ≈ HK$365,882/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,458 · Scale 2, in force from 26 Feb 2026)