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$87,438
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$90,157
−HK$2,764/mo
Today · 4.125%
HK$92,921
baseline
▲ 0.50% · 4.625%
HK$98,575
+HK$5,654/mo
Deposit HK$19.17M · loan HK$19.17M · min. income ≈ HK$185,842/mo (50% DSR)
Upfront cash ≈ HK$20.80M (deposit + AVD stamp duty HK$1,629,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,273
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$99,882
−HK$2,647/mo
Today · 4.125%
HK$102,529
baseline
▲ 0.50% · 4.625%
HK$107,933
+HK$5,404/mo
Deposit HK$19.17M · loan HK$19.17M · min. income ≈ HK$205,058/mo (50% DSR)
Upfront cash ≈ HK$20.80M (deposit + AVD stamp duty HK$1,629,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,925
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$108,189
−HK$3,316/mo
Today · 4.125%
HK$111,505
baseline
▲ 0.50% · 4.625%
HK$118,290
+HK$6,785/mo
Deposit HK$15.34M · loan HK$23.01M · min. income ≈ HK$223,010/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,629,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,728
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$119,859
−HK$3,176/mo
Today · 4.125%
HK$123,035
baseline
▲ 0.50% · 4.625%
HK$129,520
+HK$6,485/mo
Deposit HK$15.34M · loan HK$23.01M · min. income ≈ HK$246,070/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,629,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,413
−HK$7,676/mo
▼ 0.25% · 3.875%
HK$126,220
−HK$3,869/mo
Today · 4.125%
HK$130,089
baseline
▲ 0.50% · 4.625%
HK$138,005
+HK$7,916/mo
Deposit HK$11.50M · loan HK$26.84M · min. income ≈ HK$260,178/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,629,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,183
−HK$7,357/mo
▼ 0.25% · 3.875%
HK$139,835
−HK$3,705/mo
Today · 4.125%
HK$143,540
baseline
▲ 0.50% · 4.625%
HK$151,107
+HK$7,567/mo
Deposit HK$11.50M · loan HK$26.84M · min. income ≈ HK$287,080/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,629,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,388
−HK$9,869/mo
▼ 0.25% · 3.875%
HK$162,283
−HK$4,974/mo
Today · 4.125%
HK$167,257
baseline
▲ 0.50% · 4.625%
HK$177,435
+HK$10,178/mo
Deposit HK$3.83M · loan HK$34.51M · min. income ≈ HK$334,514/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,629,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,092
−HK$9,460/mo
▼ 0.25% · 3.875%
HK$179,788
−HK$4,764/mo
Today · 4.125%
HK$184,552
baseline
▲ 0.50% · 4.625%
HK$194,280
+HK$9,728/mo
Deposit HK$3.83M · loan HK$34.51M · min. income ≈ HK$369,104/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,629,685 · Scale 2, in force from 26 Feb 2026)