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$87,331
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$90,048
−HK$2,760/mo
Today · 4.125%
HK$92,808
baseline
▲ 0.50% · 4.625%
HK$98,455
+HK$5,647/mo
Deposit HK$19.15M · loan HK$19.15M · min. income ≈ HK$185,616/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,627,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,155
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$99,761
−HK$2,643/mo
Today · 4.125%
HK$102,404
baseline
▲ 0.50% · 4.625%
HK$107,802
+HK$5,398/mo
Deposit HK$19.15M · loan HK$19.15M · min. income ≈ HK$204,808/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,627,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,798
−HK$6,571/mo
▼ 0.25% · 3.875%
HK$108,057
−HK$3,312/mo
Today · 4.125%
HK$111,369
baseline
▲ 0.50% · 4.625%
HK$118,146
+HK$6,777/mo
Deposit HK$15.32M · loan HK$22.98M · min. income ≈ HK$222,738/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,627,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,586
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$119,713
−HK$3,172/mo
Today · 4.125%
HK$122,885
baseline
▲ 0.50% · 4.625%
HK$129,363
+HK$6,478/mo
Deposit HK$15.32M · loan HK$22.98M · min. income ≈ HK$245,770/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,627,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,264
−HK$7,667/mo
▼ 0.25% · 3.875%
HK$126,067
−HK$3,864/mo
Today · 4.125%
HK$129,931
baseline
▲ 0.50% · 4.625%
HK$137,837
+HK$7,906/mo
Deposit HK$11.49M · loan HK$26.81M · min. income ≈ HK$259,862/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,627,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,017
−HK$7,349/mo
▼ 0.25% · 3.875%
HK$139,665
−HK$3,701/mo
Today · 4.125%
HK$143,366
baseline
▲ 0.50% · 4.625%
HK$150,923
+HK$7,557/mo
Deposit HK$11.49M · loan HK$26.81M · min. income ≈ HK$286,732/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,627,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,196
−HK$9,858/mo
▼ 0.25% · 3.875%
HK$162,086
−HK$4,968/mo
Today · 4.125%
HK$167,054
baseline
▲ 0.50% · 4.625%
HK$177,219
+HK$10,165/mo
Deposit HK$3.83M · loan HK$34.47M · min. income ≈ HK$334,108/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,627,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,879
−HK$9,449/mo
▼ 0.25% · 3.875%
HK$179,570
−HK$4,758/mo
Today · 4.125%
HK$184,328
baseline
▲ 0.50% · 4.625%
HK$194,044
+HK$9,716/mo
Deposit HK$3.83M · loan HK$34.47M · min. income ≈ HK$368,656/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,627,705 · Scale 2, in force from 26 Feb 2026)