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$87,823
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$90,555
−HK$2,775/mo
Today · 4.125%
HK$93,330
baseline
▲ 0.50% · 4.625%
HK$99,009
+HK$5,679/mo
Deposit HK$19.26M · loan HK$19.26M · min. income ≈ HK$186,660/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,702
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$100,322
−HK$2,659/mo
Today · 4.125%
HK$102,981
baseline
▲ 0.50% · 4.625%
HK$108,409
+HK$5,428/mo
Deposit HK$19.26M · loan HK$19.26M · min. income ≈ HK$205,962/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,388
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$108,666
−HK$3,330/mo
Today · 4.125%
HK$111,996
baseline
▲ 0.50% · 4.625%
HK$118,811
+HK$6,815/mo
Deposit HK$15.41M · loan HK$23.11M · min. income ≈ HK$223,992/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,243
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$120,387
−HK$3,190/mo
Today · 4.125%
HK$123,577
baseline
▲ 0.50% · 4.625%
HK$130,091
+HK$6,514/mo
Deposit HK$15.41M · loan HK$23.11M · min. income ≈ HK$247,154/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,952
−HK$7,710/mo
▼ 0.25% · 3.875%
HK$126,777
−HK$3,885/mo
Today · 4.125%
HK$130,662
baseline
▲ 0.50% · 4.625%
HK$138,613
+HK$7,951/mo
Deposit HK$11.55M · loan HK$26.96M · min. income ≈ HK$261,324/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,783
−HK$7,390/mo
▼ 0.25% · 3.875%
HK$140,451
−HK$3,722/mo
Today · 4.125%
HK$144,173
baseline
▲ 0.50% · 4.625%
HK$151,772
+HK$7,599/mo
Deposit HK$11.55M · loan HK$26.96M · min. income ≈ HK$288,346/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,081
−HK$9,913/mo
▼ 0.25% · 3.875%
HK$162,998
−HK$4,996/mo
Today · 4.125%
HK$167,994
baseline
▲ 0.50% · 4.625%
HK$178,216
+HK$10,222/mo
Deposit HK$3.85M · loan HK$34.66M · min. income ≈ HK$335,988/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,864
−HK$9,501/mo
▼ 0.25% · 3.875%
HK$180,580
−HK$4,785/mo
Today · 4.125%
HK$185,365
baseline
▲ 0.50% · 4.625%
HK$195,136
+HK$9,771/mo
Deposit HK$3.85M · loan HK$34.66M · min. income ≈ HK$370,730/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,866 · Scale 2, in force from 26 Feb 2026)