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$87,512
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$90,234
−HK$2,766/mo
Today · 4.125%
HK$93,000
baseline
▲ 0.50% · 4.625%
HK$98,659
+HK$5,659/mo
Deposit HK$19.19M · loan HK$19.19M · min. income ≈ HK$186,000/mo (50% DSR)
Upfront cash ≈ HK$20.82M (deposit + AVD stamp duty HK$1,631,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,356
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$99,967
−HK$2,649/mo
Today · 4.125%
HK$102,616
baseline
▲ 0.50% · 4.625%
HK$108,025
+HK$5,409/mo
Deposit HK$19.19M · loan HK$19.19M · min. income ≈ HK$205,232/mo (50% DSR)
Upfront cash ≈ HK$20.82M (deposit + AVD stamp duty HK$1,631,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,014
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$108,281
−HK$3,319/mo
Today · 4.125%
HK$111,600
baseline
▲ 0.50% · 4.625%
HK$118,390
+HK$6,790/mo
Deposit HK$15.35M · loan HK$23.03M · min. income ≈ HK$223,200/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,631,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,828
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$119,961
−HK$3,178/mo
Today · 4.125%
HK$123,139
baseline
▲ 0.50% · 4.625%
HK$129,630
+HK$6,491/mo
Deposit HK$15.35M · loan HK$23.03M · min. income ≈ HK$246,278/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,631,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,517
−HK$7,683/mo
▼ 0.25% · 3.875%
HK$126,328
−HK$3,872/mo
Today · 4.125%
HK$130,200
baseline
▲ 0.50% · 4.625%
HK$138,122
+HK$7,922/mo
Deposit HK$11.51M · loan HK$26.86M · min. income ≈ HK$260,400/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,631,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,299
−HK$7,364/mo
▼ 0.25% · 3.875%
HK$139,954
−HK$3,709/mo
Today · 4.125%
HK$143,663
baseline
▲ 0.50% · 4.625%
HK$151,235
+HK$7,572/mo
Deposit HK$11.51M · loan HK$26.86M · min. income ≈ HK$287,326/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,631,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,522
−HK$9,878/mo
▼ 0.25% · 3.875%
HK$162,422
−HK$4,978/mo
Today · 4.125%
HK$167,400
baseline
▲ 0.50% · 4.625%
HK$177,586
+HK$10,186/mo
Deposit HK$3.84M · loan HK$34.54M · min. income ≈ HK$334,800/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,631,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,241
−HK$9,468/mo
▼ 0.25% · 3.875%
HK$179,941
−HK$4,768/mo
Today · 4.125%
HK$184,709
baseline
▲ 0.50% · 4.625%
HK$194,445
+HK$9,736/mo
Deposit HK$3.84M · loan HK$34.54M · min. income ≈ HK$369,418/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,631,073 · Scale 2, in force from 26 Feb 2026)