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$86,762
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$89,461
−HK$2,742/mo
Today · 4.125%
HK$92,203
baseline
▲ 0.50% · 4.625%
HK$97,814
+HK$5,611/mo
Deposit HK$19.02M · loan HK$19.02M · min. income ≈ HK$184,406/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$1,617,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,522
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$99,111
−HK$2,626/mo
Today · 4.125%
HK$101,737
baseline
▲ 0.50% · 4.625%
HK$107,100
+HK$5,363/mo
Deposit HK$19.02M · loan HK$19.02M · min. income ≈ HK$203,474/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$1,617,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,115
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$107,354
−HK$3,290/mo
Today · 4.125%
HK$110,644
baseline
▲ 0.50% · 4.625%
HK$117,376
+HK$6,732/mo
Deposit HK$15.22M · loan HK$22.83M · min. income ≈ HK$221,288/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,617,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,827
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$118,933
−HK$3,152/mo
Today · 4.125%
HK$122,085
baseline
▲ 0.50% · 4.625%
HK$128,520
+HK$6,435/mo
Deposit HK$15.22M · loan HK$22.83M · min. income ≈ HK$244,170/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,617,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,467
−HK$7,618/mo
▼ 0.25% · 3.875%
HK$125,246
−HK$3,839/mo
Today · 4.125%
HK$129,085
baseline
▲ 0.50% · 4.625%
HK$136,939
+HK$7,854/mo
Deposit HK$11.41M · loan HK$26.63M · min. income ≈ HK$258,170/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,617,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,131
−HK$7,301/mo
▼ 0.25% · 3.875%
HK$138,755
−HK$3,677/mo
Today · 4.125%
HK$142,432
baseline
▲ 0.50% · 4.625%
HK$149,940
+HK$7,508/mo
Deposit HK$11.41M · loan HK$26.63M · min. income ≈ HK$284,864/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,617,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,172
−HK$9,794/mo
▼ 0.25% · 3.875%
HK$161,030
−HK$4,936/mo
Today · 4.125%
HK$165,966
baseline
▲ 0.50% · 4.625%
HK$176,064
+HK$10,098/mo
Deposit HK$3.80M · loan HK$34.24M · min. income ≈ HK$331,932/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,617,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,740
−HK$9,387/mo
▼ 0.25% · 3.875%
HK$178,400
−HK$4,727/mo
Today · 4.125%
HK$183,127
baseline
▲ 0.50% · 4.625%
HK$192,780
+HK$9,653/mo
Deposit HK$3.80M · loan HK$34.24M · min. income ≈ HK$366,254/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,617,101 · Scale 2, in force from 26 Feb 2026)