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$87,351
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$90,068
−HK$2,761/mo
Today · 4.125%
HK$92,829
baseline
▲ 0.50% · 4.625%
HK$98,477
+HK$5,648/mo
Deposit HK$19.15M · loan HK$19.15M · min. income ≈ HK$185,658/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,628,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,177
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$99,784
−HK$2,644/mo
Today · 4.125%
HK$102,428
baseline
▲ 0.50% · 4.625%
HK$107,827
+HK$5,399/mo
Deposit HK$19.15M · loan HK$19.15M · min. income ≈ HK$204,856/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,628,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,821
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$108,082
−HK$3,313/mo
Today · 4.125%
HK$111,395
baseline
▲ 0.50% · 4.625%
HK$118,173
+HK$6,778/mo
Deposit HK$15.32M · loan HK$22.98M · min. income ≈ HK$222,790/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,628,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,613
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$119,740
−HK$3,173/mo
Today · 4.125%
HK$122,913
baseline
▲ 0.50% · 4.625%
HK$129,392
+HK$6,479/mo
Deposit HK$15.32M · loan HK$22.98M · min. income ≈ HK$245,826/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,628,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,292
−HK$7,668/mo
▼ 0.25% · 3.875%
HK$126,096
−HK$3,864/mo
Today · 4.125%
HK$129,960
baseline
▲ 0.50% · 4.625%
HK$137,868
+HK$7,908/mo
Deposit HK$11.49M · loan HK$26.82M · min. income ≈ HK$259,920/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,628,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,048
−HK$7,351/mo
▼ 0.25% · 3.875%
HK$139,697
−HK$3,702/mo
Today · 4.125%
HK$143,399
baseline
▲ 0.50% · 4.625%
HK$150,957
+HK$7,558/mo
Deposit HK$11.49M · loan HK$26.82M · min. income ≈ HK$286,798/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,628,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,232
−HK$9,860/mo
▼ 0.25% · 3.875%
HK$162,123
−HK$4,969/mo
Today · 4.125%
HK$167,092
baseline
▲ 0.50% · 4.625%
HK$177,259
+HK$10,167/mo
Deposit HK$3.83M · loan HK$34.48M · min. income ≈ HK$334,184/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,628,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,919
−HK$9,451/mo
▼ 0.25% · 3.875%
HK$179,610
−HK$4,760/mo
Today · 4.125%
HK$184,370
baseline
▲ 0.50% · 4.625%
HK$194,088
+HK$9,718/mo
Deposit HK$3.83M · loan HK$34.48M · min. income ≈ HK$368,740/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,628,074 · Scale 2, in force from 26 Feb 2026)