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$87,905
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$90,639
−HK$2,779/mo
Today · 4.125%
HK$93,418
baseline
▲ 0.50% · 4.625%
HK$99,102
+HK$5,684/mo
Deposit HK$19.28M · loan HK$19.28M · min. income ≈ HK$186,836/mo (50% DSR)
Upfront cash ≈ HK$20.91M (deposit + AVD stamp duty HK$1,638,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,794
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$100,416
−HK$2,661/mo
Today · 4.125%
HK$103,077
baseline
▲ 0.50% · 4.625%
HK$108,510
+HK$5,433/mo
Deposit HK$19.28M · loan HK$19.28M · min. income ≈ HK$206,154/mo (50% DSR)
Upfront cash ≈ HK$20.91M (deposit + AVD stamp duty HK$1,638,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,486
−HK$6,615/mo
▼ 0.25% · 3.875%
HK$108,767
−HK$3,334/mo
Today · 4.125%
HK$112,101
baseline
▲ 0.50% · 4.625%
HK$118,922
+HK$6,821/mo
Deposit HK$15.42M · loan HK$23.13M · min. income ≈ HK$224,202/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,638,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,352
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$120,500
−HK$3,192/mo
Today · 4.125%
HK$123,692
baseline
▲ 0.50% · 4.625%
HK$130,212
+HK$6,520/mo
Deposit HK$15.42M · loan HK$23.13M · min. income ≈ HK$247,384/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,638,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,067
−HK$7,718/mo
▼ 0.25% · 3.875%
HK$126,895
−HK$3,890/mo
Today · 4.125%
HK$130,785
baseline
▲ 0.50% · 4.625%
HK$138,742
+HK$7,957/mo
Deposit HK$11.57M · loan HK$26.99M · min. income ≈ HK$261,570/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,638,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,911
−HK$7,397/mo
▼ 0.25% · 3.875%
HK$140,583
−HK$3,725/mo
Today · 4.125%
HK$144,308
baseline
▲ 0.50% · 4.625%
HK$151,915
+HK$7,607/mo
Deposit HK$11.57M · loan HK$26.99M · min. income ≈ HK$288,616/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,638,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,229
−HK$9,923/mo
▼ 0.25% · 3.875%
HK$163,151
−HK$5,001/mo
Today · 4.125%
HK$168,152
baseline
▲ 0.50% · 4.625%
HK$178,383
+HK$10,231/mo
Deposit HK$3.86M · loan HK$34.70M · min. income ≈ HK$336,304/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,638,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,028
−HK$9,511/mo
▼ 0.25% · 3.875%
HK$180,749
−HK$4,790/mo
Today · 4.125%
HK$185,539
baseline
▲ 0.50% · 4.625%
HK$195,319
+HK$9,780/mo
Deposit HK$3.86M · loan HK$34.70M · min. income ≈ HK$371,078/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,638,398 · Scale 2, in force from 26 Feb 2026)