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$87,462
−HK$5,485/mo
▼ 0.25% · 3.875%
HK$90,183
−HK$2,764/mo
Today · 4.125%
HK$92,947
baseline
▲ 0.50% · 4.625%
HK$98,602
+HK$5,655/mo
Deposit HK$19.18M · loan HK$19.18M · min. income ≈ HK$185,894/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$1,630,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,301
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$99,910
−HK$2,648/mo
Today · 4.125%
HK$102,558
baseline
▲ 0.50% · 4.625%
HK$107,964
+HK$5,406/mo
Deposit HK$19.18M · loan HK$19.18M · min. income ≈ HK$205,116/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$1,630,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,955
−HK$6,581/mo
▼ 0.25% · 3.875%
HK$108,219
−HK$3,317/mo
Today · 4.125%
HK$111,536
baseline
▲ 0.50% · 4.625%
HK$118,323
+HK$6,787/mo
Deposit HK$15.34M · loan HK$23.01M · min. income ≈ HK$223,072/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,630,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,761
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$119,892
−HK$3,177/mo
Today · 4.125%
HK$123,069
baseline
▲ 0.50% · 4.625%
HK$129,556
+HK$6,487/mo
Deposit HK$15.34M · loan HK$23.01M · min. income ≈ HK$246,138/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,630,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,447
−HK$7,679/mo
▼ 0.25% · 3.875%
HK$126,256
−HK$3,870/mo
Today · 4.125%
HK$130,126
baseline
▲ 0.50% · 4.625%
HK$138,043
+HK$7,917/mo
Deposit HK$11.51M · loan HK$26.85M · min. income ≈ HK$260,252/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,630,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,221
−HK$7,360/mo
▼ 0.25% · 3.875%
HK$139,875
−HK$3,706/mo
Today · 4.125%
HK$143,581
baseline
▲ 0.50% · 4.625%
HK$151,149
+HK$7,568/mo
Deposit HK$11.51M · loan HK$26.85M · min. income ≈ HK$287,162/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,630,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,432
−HK$9,872/mo
▼ 0.25% · 3.875%
HK$162,329
−HK$4,975/mo
Today · 4.125%
HK$167,304
baseline
▲ 0.50% · 4.625%
HK$177,484
+HK$10,180/mo
Deposit HK$3.84M · loan HK$34.52M · min. income ≈ HK$334,608/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,630,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,141
−HK$9,463/mo
▼ 0.25% · 3.875%
HK$179,839
−HK$4,765/mo
Today · 4.125%
HK$184,604
baseline
▲ 0.50% · 4.625%
HK$194,335
+HK$9,731/mo
Deposit HK$3.84M · loan HK$34.52M · min. income ≈ HK$369,208/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,630,143 · Scale 2, in force from 26 Feb 2026)