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$87,327
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$90,043
−HK$2,760/mo
Today · 4.125%
HK$92,803
baseline
▲ 0.50% · 4.625%
HK$98,450
+HK$5,647/mo
Deposit HK$19.15M · loan HK$19.15M · min. income ≈ HK$185,606/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,627,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,150
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$99,756
−HK$2,643/mo
Today · 4.125%
HK$102,399
baseline
▲ 0.50% · 4.625%
HK$107,796
+HK$5,397/mo
Deposit HK$19.15M · loan HK$19.15M · min. income ≈ HK$204,798/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,627,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,792
−HK$6,571/mo
▼ 0.25% · 3.875%
HK$108,052
−HK$3,311/mo
Today · 4.125%
HK$111,363
baseline
▲ 0.50% · 4.625%
HK$118,140
+HK$6,777/mo
Deposit HK$15.32M · loan HK$22.98M · min. income ≈ HK$222,726/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,627,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,580
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$119,707
−HK$3,172/mo
Today · 4.125%
HK$122,879
baseline
▲ 0.50% · 4.625%
HK$129,356
+HK$6,477/mo
Deposit HK$15.32M · loan HK$22.98M · min. income ≈ HK$245,758/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,627,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,257
−HK$7,667/mo
▼ 0.25% · 3.875%
HK$126,060
−HK$3,864/mo
Today · 4.125%
HK$129,924
baseline
▲ 0.50% · 4.625%
HK$137,830
+HK$7,906/mo
Deposit HK$11.49M · loan HK$26.81M · min. income ≈ HK$259,848/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,627,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,010
−HK$7,348/mo
▼ 0.25% · 3.875%
HK$139,658
−HK$3,700/mo
Today · 4.125%
HK$143,358
baseline
▲ 0.50% · 4.625%
HK$150,915
+HK$7,557/mo
Deposit HK$11.49M · loan HK$26.81M · min. income ≈ HK$286,716/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,627,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,188
−HK$9,857/mo
▼ 0.25% · 3.875%
HK$162,077
−HK$4,968/mo
Today · 4.125%
HK$167,045
baseline
▲ 0.50% · 4.625%
HK$177,209
+HK$10,164/mo
Deposit HK$3.83M · loan HK$34.47M · min. income ≈ HK$334,090/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,627,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,870
−HK$9,448/mo
▼ 0.25% · 3.875%
HK$179,560
−HK$4,758/mo
Today · 4.125%
HK$184,318
baseline
▲ 0.50% · 4.625%
HK$194,033
+HK$9,715/mo
Deposit HK$3.83M · loan HK$34.47M · min. income ≈ HK$368,636/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,627,617 · Scale 2, in force from 26 Feb 2026)