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$86,863
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$89,565
−HK$2,745/mo
Today · 4.125%
HK$92,310
baseline
▲ 0.50% · 4.625%
HK$97,927
+HK$5,617/mo
Deposit HK$19.05M · loan HK$19.05M · min. income ≈ HK$184,620/mo (50% DSR)
Upfront cash ≈ HK$20.67M (deposit + AVD stamp duty HK$1,618,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,634
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$99,226
−HK$2,629/mo
Today · 4.125%
HK$101,855
baseline
▲ 0.50% · 4.625%
HK$107,224
+HK$5,369/mo
Deposit HK$19.05M · loan HK$19.05M · min. income ≈ HK$203,710/mo (50% DSR)
Upfront cash ≈ HK$20.67M (deposit + AVD stamp duty HK$1,618,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,236
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$107,478
−HK$3,294/mo
Today · 4.125%
HK$110,772
baseline
▲ 0.50% · 4.625%
HK$117,512
+HK$6,740/mo
Deposit HK$15.24M · loan HK$22.86M · min. income ≈ HK$221,544/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,618,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,961
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$119,071
−HK$3,155/mo
Today · 4.125%
HK$122,226
baseline
▲ 0.50% · 4.625%
HK$128,669
+HK$6,443/mo
Deposit HK$15.24M · loan HK$22.86M · min. income ≈ HK$244,452/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,618,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,608
−HK$7,626/mo
▼ 0.25% · 3.875%
HK$125,391
−HK$3,843/mo
Today · 4.125%
HK$129,234
baseline
▲ 0.50% · 4.625%
HK$137,098
+HK$7,864/mo
Deposit HK$11.43M · loan HK$26.67M · min. income ≈ HK$258,468/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,618,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,288
−HK$7,309/mo
▼ 0.25% · 3.875%
HK$138,916
−HK$3,681/mo
Today · 4.125%
HK$142,597
baseline
▲ 0.50% · 4.625%
HK$150,113
+HK$7,516/mo
Deposit HK$11.43M · loan HK$26.67M · min. income ≈ HK$285,194/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,618,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,353
−HK$9,805/mo
▼ 0.25% · 3.875%
HK$161,217
−HK$4,941/mo
Today · 4.125%
HK$166,158
baseline
▲ 0.50% · 4.625%
HK$176,268
+HK$10,110/mo
Deposit HK$3.81M · loan HK$34.28M · min. income ≈ HK$332,316/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,618,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,941
−HK$9,398/mo
▼ 0.25% · 3.875%
HK$178,606
−HK$4,733/mo
Today · 4.125%
HK$183,339
baseline
▲ 0.50% · 4.625%
HK$193,003
+HK$9,664/mo
Deposit HK$3.81M · loan HK$34.28M · min. income ≈ HK$366,678/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,618,974 · Scale 2, in force from 26 Feb 2026)