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$87,348
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$90,065
−HK$2,761/mo
Today · 4.125%
HK$92,826
baseline
▲ 0.50% · 4.625%
HK$98,474
+HK$5,648/mo
Deposit HK$19.15M · loan HK$19.15M · min. income ≈ HK$185,652/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,628,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,174
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$99,780
−HK$2,644/mo
Today · 4.125%
HK$102,424
baseline
▲ 0.50% · 4.625%
HK$107,823
+HK$5,399/mo
Deposit HK$19.15M · loan HK$19.15M · min. income ≈ HK$204,848/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,628,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,818
−HK$6,573/mo
▼ 0.25% · 3.875%
HK$108,078
−HK$3,313/mo
Today · 4.125%
HK$111,391
baseline
▲ 0.50% · 4.625%
HK$118,169
+HK$6,778/mo
Deposit HK$15.32M · loan HK$22.98M · min. income ≈ HK$222,782/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,628,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,609
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$119,736
−HK$3,173/mo
Today · 4.125%
HK$122,909
baseline
▲ 0.50% · 4.625%
HK$129,388
+HK$6,479/mo
Deposit HK$15.32M · loan HK$22.98M · min. income ≈ HK$245,818/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,628,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,288
−HK$7,668/mo
▼ 0.25% · 3.875%
HK$126,091
−HK$3,865/mo
Today · 4.125%
HK$129,956
baseline
▲ 0.50% · 4.625%
HK$137,864
+HK$7,908/mo
Deposit HK$11.49M · loan HK$26.81M · min. income ≈ HK$259,912/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,628,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,044
−HK$7,350/mo
▼ 0.25% · 3.875%
HK$139,692
−HK$3,702/mo
Today · 4.125%
HK$143,394
baseline
▲ 0.50% · 4.625%
HK$150,952
+HK$7,558/mo
Deposit HK$11.49M · loan HK$26.81M · min. income ≈ HK$286,788/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,628,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,227
−HK$9,859/mo
▼ 0.25% · 3.875%
HK$162,118
−HK$4,968/mo
Today · 4.125%
HK$167,086
baseline
▲ 0.50% · 4.625%
HK$177,253
+HK$10,167/mo
Deposit HK$3.83M · loan HK$34.48M · min. income ≈ HK$334,172/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,628,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,913
−HK$9,450/mo
▼ 0.25% · 3.875%
HK$179,604
−HK$4,759/mo
Today · 4.125%
HK$184,363
baseline
▲ 0.50% · 4.625%
HK$194,081
+HK$9,718/mo
Deposit HK$3.83M · loan HK$34.48M · min. income ≈ HK$368,726/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,628,019 · Scale 2, in force from 26 Feb 2026)