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$86,967
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$89,672
−HK$2,748/mo
Today · 4.125%
HK$92,420
baseline
▲ 0.50% · 4.625%
HK$98,044
+HK$5,624/mo
Deposit HK$19.07M · loan HK$19.07M · min. income ≈ HK$184,840/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$1,620,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,749
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$99,344
−HK$2,632/mo
Today · 4.125%
HK$101,976
baseline
▲ 0.50% · 4.625%
HK$107,352
+HK$5,376/mo
Deposit HK$19.07M · loan HK$19.07M · min. income ≈ HK$203,952/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$1,620,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,360
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$107,606
−HK$3,298/mo
Today · 4.125%
HK$110,904
baseline
▲ 0.50% · 4.625%
HK$117,652
+HK$6,748/mo
Deposit HK$15.26M · loan HK$22.88M · min. income ≈ HK$221,808/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,620,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,099
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$119,213
−HK$3,159/mo
Today · 4.125%
HK$122,372
baseline
▲ 0.50% · 4.625%
HK$128,822
+HK$6,450/mo
Deposit HK$15.26M · loan HK$22.88M · min. income ≈ HK$244,744/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,620,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,753
−HK$7,635/mo
▼ 0.25% · 3.875%
HK$125,540
−HK$3,848/mo
Today · 4.125%
HK$129,388
baseline
▲ 0.50% · 4.625%
HK$137,261
+HK$7,873/mo
Deposit HK$11.44M · loan HK$26.70M · min. income ≈ HK$258,776/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,620,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,449
−HK$7,318/mo
▼ 0.25% · 3.875%
HK$139,082
−HK$3,685/mo
Today · 4.125%
HK$142,767
baseline
▲ 0.50% · 4.625%
HK$150,293
+HK$7,526/mo
Deposit HK$11.44M · loan HK$26.70M · min. income ≈ HK$285,534/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,620,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,540
−HK$9,816/mo
▼ 0.25% · 3.875%
HK$161,409
−HK$4,947/mo
Today · 4.125%
HK$166,356
baseline
▲ 0.50% · 4.625%
HK$176,479
+HK$10,123/mo
Deposit HK$3.81M · loan HK$34.33M · min. income ≈ HK$332,712/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,620,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,149
−HK$9,409/mo
▼ 0.25% · 3.875%
HK$178,820
−HK$4,738/mo
Today · 4.125%
HK$183,558
baseline
▲ 0.50% · 4.625%
HK$193,233
+HK$9,675/mo
Deposit HK$3.81M · loan HK$34.33M · min. income ≈ HK$367,116/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,620,905 · Scale 2, in force from 26 Feb 2026)