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$87,885
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$90,618
−HK$2,778/mo
Today · 4.125%
HK$93,396
baseline
▲ 0.50% · 4.625%
HK$99,079
+HK$5,683/mo
Deposit HK$19.27M · loan HK$19.27M · min. income ≈ HK$186,792/mo (50% DSR)
Upfront cash ≈ HK$20.91M (deposit + AVD stamp duty HK$1,638,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,771
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$100,393
−HK$2,660/mo
Today · 4.125%
HK$103,053
baseline
▲ 0.50% · 4.625%
HK$108,485
+HK$5,432/mo
Deposit HK$19.27M · loan HK$19.27M · min. income ≈ HK$206,106/mo (50% DSR)
Upfront cash ≈ HK$20.91M (deposit + AVD stamp duty HK$1,638,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,462
−HK$6,613/mo
▼ 0.25% · 3.875%
HK$108,742
−HK$3,333/mo
Today · 4.125%
HK$112,075
baseline
▲ 0.50% · 4.625%
HK$118,894
+HK$6,819/mo
Deposit HK$15.42M · loan HK$23.12M · min. income ≈ HK$224,150/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,638,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,325
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$120,471
−HK$3,193/mo
Today · 4.125%
HK$123,664
baseline
▲ 0.50% · 4.625%
HK$130,182
+HK$6,518/mo
Deposit HK$15.42M · loan HK$23.12M · min. income ≈ HK$247,328/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,638,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,038
−HK$7,716/mo
▼ 0.25% · 3.875%
HK$126,866
−HK$3,888/mo
Today · 4.125%
HK$130,754
baseline
▲ 0.50% · 4.625%
HK$138,710
+HK$7,956/mo
Deposit HK$11.56M · loan HK$26.98M · min. income ≈ HK$261,508/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,638,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,879
−HK$7,395/mo
▼ 0.25% · 3.875%
HK$140,550
−HK$3,724/mo
Today · 4.125%
HK$144,274
baseline
▲ 0.50% · 4.625%
HK$151,879
+HK$7,605/mo
Deposit HK$11.56M · loan HK$26.98M · min. income ≈ HK$288,548/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,638,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,192
−HK$9,920/mo
▼ 0.25% · 3.875%
HK$163,113
−HK$4,999/mo
Today · 4.125%
HK$168,112
baseline
▲ 0.50% · 4.625%
HK$178,342
+HK$10,230/mo
Deposit HK$3.85M · loan HK$34.69M · min. income ≈ HK$336,224/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,638,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,987
−HK$9,508/mo
▼ 0.25% · 3.875%
HK$180,707
−HK$4,788/mo
Today · 4.125%
HK$185,495
baseline
▲ 0.50% · 4.625%
HK$195,273
+HK$9,778/mo
Deposit HK$3.85M · loan HK$34.69M · min. income ≈ HK$370,990/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,638,016 · Scale 2, in force from 26 Feb 2026)