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$87,805
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$90,536
−HK$2,775/mo
Today · 4.125%
HK$93,311
baseline
▲ 0.50% · 4.625%
HK$98,989
+HK$5,678/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$186,622/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,682
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$100,302
−HK$2,657/mo
Today · 4.125%
HK$102,959
baseline
▲ 0.50% · 4.625%
HK$108,386
+HK$5,427/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$205,918/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,366
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$108,643
−HK$3,330/mo
Today · 4.125%
HK$111,973
baseline
▲ 0.50% · 4.625%
HK$118,786
+HK$6,813/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$223,946/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,218
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$120,362
−HK$3,189/mo
Today · 4.125%
HK$123,551
baseline
▲ 0.50% · 4.625%
HK$130,064
+HK$6,513/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$247,102/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,927
−HK$7,708/mo
▼ 0.25% · 3.875%
HK$126,750
−HK$3,885/mo
Today · 4.125%
HK$130,635
baseline
▲ 0.50% · 4.625%
HK$138,584
+HK$7,949/mo
Deposit HK$11.55M · loan HK$26.95M · min. income ≈ HK$261,270/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,755
−HK$7,388/mo
▼ 0.25% · 3.875%
HK$140,422
−HK$3,721/mo
Today · 4.125%
HK$144,143
baseline
▲ 0.50% · 4.625%
HK$151,741
+HK$7,598/mo
Deposit HK$11.55M · loan HK$26.95M · min. income ≈ HK$288,286/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,048
−HK$9,911/mo
▼ 0.25% · 3.875%
HK$162,965
−HK$4,994/mo
Today · 4.125%
HK$167,959
baseline
▲ 0.50% · 4.625%
HK$178,179
+HK$10,220/mo
Deposit HK$3.85M · loan HK$34.66M · min. income ≈ HK$335,918/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,827
−HK$9,500/mo
▼ 0.25% · 3.875%
HK$180,543
−HK$4,784/mo
Today · 4.125%
HK$185,327
baseline
▲ 0.50% · 4.625%
HK$195,095
+HK$9,768/mo
Deposit HK$3.85M · loan HK$34.66M · min. income ≈ HK$370,654/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,526 · Scale 2, in force from 26 Feb 2026)