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$87,477
−HK$5,485/mo
▼ 0.25% · 3.875%
HK$90,198
−HK$2,764/mo
Today · 4.125%
HK$92,962
baseline
▲ 0.50% · 4.625%
HK$98,619
+HK$5,657/mo
Deposit HK$19.18M · loan HK$19.18M · min. income ≈ HK$185,924/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$1,630,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,317
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$99,927
−HK$2,647/mo
Today · 4.125%
HK$102,574
baseline
▲ 0.50% · 4.625%
HK$107,981
+HK$5,407/mo
Deposit HK$19.18M · loan HK$19.18M · min. income ≈ HK$205,148/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$1,630,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,972
−HK$6,583/mo
▼ 0.25% · 3.875%
HK$108,237
−HK$3,318/mo
Today · 4.125%
HK$111,555
baseline
▲ 0.50% · 4.625%
HK$118,342
+HK$6,787/mo
Deposit HK$15.35M · loan HK$23.02M · min. income ≈ HK$223,110/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,630,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,780
−HK$6,309/mo
▼ 0.25% · 3.875%
HK$119,912
−HK$3,177/mo
Today · 4.125%
HK$123,089
baseline
▲ 0.50% · 4.625%
HK$129,578
+HK$6,489/mo
Deposit HK$15.35M · loan HK$23.02M · min. income ≈ HK$246,178/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,630,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,467
−HK$7,680/mo
▼ 0.25% · 3.875%
HK$126,277
−HK$3,870/mo
Today · 4.125%
HK$130,147
baseline
▲ 0.50% · 4.625%
HK$138,066
+HK$7,919/mo
Deposit HK$11.51M · loan HK$26.85M · min. income ≈ HK$260,294/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,630,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,243
−HK$7,361/mo
▼ 0.25% · 3.875%
HK$139,897
−HK$3,707/mo
Today · 4.125%
HK$143,604
baseline
▲ 0.50% · 4.625%
HK$151,174
+HK$7,570/mo
Deposit HK$11.51M · loan HK$26.85M · min. income ≈ HK$287,208/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,630,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,458
−HK$9,874/mo
▼ 0.25% · 3.875%
HK$162,356
−HK$4,976/mo
Today · 4.125%
HK$167,332
baseline
▲ 0.50% · 4.625%
HK$177,514
+HK$10,182/mo
Deposit HK$3.84M · loan HK$34.53M · min. income ≈ HK$334,664/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,630,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,170
−HK$9,464/mo
▼ 0.25% · 3.875%
HK$179,868
−HK$4,766/mo
Today · 4.125%
HK$184,634
baseline
▲ 0.50% · 4.625%
HK$194,366
+HK$9,732/mo
Deposit HK$3.84M · loan HK$34.53M · min. income ≈ HK$369,268/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,630,411 · Scale 2, in force from 26 Feb 2026)