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$87,621
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$90,346
−HK$2,769/mo
Today · 4.125%
HK$93,115
baseline
▲ 0.50% · 4.625%
HK$98,781
+HK$5,666/mo
Deposit HK$19.21M · loan HK$19.21M · min. income ≈ HK$186,230/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$1,633,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,477
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$100,091
−HK$2,652/mo
Today · 4.125%
HK$102,743
baseline
▲ 0.50% · 4.625%
HK$108,159
+HK$5,416/mo
Deposit HK$19.21M · loan HK$19.21M · min. income ≈ HK$205,486/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$1,633,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,145
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$108,415
−HK$3,323/mo
Today · 4.125%
HK$111,738
baseline
▲ 0.50% · 4.625%
HK$118,537
+HK$6,799/mo
Deposit HK$15.37M · loan HK$23.06M · min. income ≈ HK$223,476/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,633,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,973
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$120,110
−HK$3,182/mo
Today · 4.125%
HK$123,292
baseline
▲ 0.50% · 4.625%
HK$129,791
+HK$6,499/mo
Deposit HK$15.37M · loan HK$23.06M · min. income ≈ HK$246,584/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,633,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,669
−HK$7,692/mo
▼ 0.25% · 3.875%
HK$126,485
−HK$3,876/mo
Today · 4.125%
HK$130,361
baseline
▲ 0.50% · 4.625%
HK$138,294
+HK$7,933/mo
Deposit HK$11.53M · loan HK$26.90M · min. income ≈ HK$260,722/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,633,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,468
−HK$7,373/mo
▼ 0.25% · 3.875%
HK$140,128
−HK$3,713/mo
Today · 4.125%
HK$143,841
baseline
▲ 0.50% · 4.625%
HK$151,423
+HK$7,582/mo
Deposit HK$11.53M · loan HK$26.90M · min. income ≈ HK$287,682/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,633,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,717
−HK$9,890/mo
▼ 0.25% · 3.875%
HK$162,623
−HK$4,984/mo
Today · 4.125%
HK$167,607
baseline
▲ 0.50% · 4.625%
HK$177,806
+HK$10,199/mo
Deposit HK$3.84M · loan HK$34.58M · min. income ≈ HK$335,214/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,633,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,459
−HK$9,479/mo
▼ 0.25% · 3.875%
HK$180,164
−HK$4,774/mo
Today · 4.125%
HK$184,938
baseline
▲ 0.50% · 4.625%
HK$194,687
+HK$9,749/mo
Deposit HK$3.84M · loan HK$34.58M · min. income ≈ HK$369,876/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,633,096 · Scale 2, in force from 26 Feb 2026)