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$87,244
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$89,957
−HK$2,758/mo
Today · 4.125%
HK$92,715
baseline
▲ 0.50% · 4.625%
HK$98,356
+HK$5,641/mo
Deposit HK$19.13M · loan HK$19.13M · min. income ≈ HK$185,430/mo (50% DSR)
Upfront cash ≈ HK$20.76M (deposit + AVD stamp duty HK$1,626,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,058
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$99,661
−HK$2,640/mo
Today · 4.125%
HK$102,301
baseline
▲ 0.50% · 4.625%
HK$107,694
+HK$5,393/mo
Deposit HK$19.13M · loan HK$19.13M · min. income ≈ HK$204,602/mo (50% DSR)
Upfront cash ≈ HK$20.76M (deposit + AVD stamp duty HK$1,626,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,692
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$107,949
−HK$3,308/mo
Today · 4.125%
HK$111,257
baseline
▲ 0.50% · 4.625%
HK$118,027
+HK$6,770/mo
Deposit HK$15.30M · loan HK$22.96M · min. income ≈ HK$222,514/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,626,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,469
−HK$6,293/mo
▼ 0.25% · 3.875%
HK$119,593
−HK$3,169/mo
Today · 4.125%
HK$122,762
baseline
▲ 0.50% · 4.625%
HK$129,233
+HK$6,471/mo
Deposit HK$15.30M · loan HK$22.96M · min. income ≈ HK$245,524/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,626,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,141
−HK$7,659/mo
▼ 0.25% · 3.875%
HK$125,940
−HK$3,860/mo
Today · 4.125%
HK$129,800
baseline
▲ 0.50% · 4.625%
HK$137,698
+HK$7,898/mo
Deposit HK$11.48M · loan HK$26.78M · min. income ≈ HK$259,600/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,626,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,881
−HK$7,341/mo
▼ 0.25% · 3.875%
HK$139,525
−HK$3,697/mo
Today · 4.125%
HK$143,222
baseline
▲ 0.50% · 4.625%
HK$150,771
+HK$7,549/mo
Deposit HK$11.48M · loan HK$26.78M · min. income ≈ HK$286,444/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,626,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,038
−HK$9,848/mo
▼ 0.25% · 3.875%
HK$161,923
−HK$4,963/mo
Today · 4.125%
HK$166,886
baseline
▲ 0.50% · 4.625%
HK$177,041
+HK$10,155/mo
Deposit HK$3.83M · loan HK$34.43M · min. income ≈ HK$333,772/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,626,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,704
−HK$9,438/mo
▼ 0.25% · 3.875%
HK$179,389
−HK$4,753/mo
Today · 4.125%
HK$184,142
baseline
▲ 0.50% · 4.625%
HK$193,849
+HK$9,707/mo
Deposit HK$3.83M · loan HK$34.43M · min. income ≈ HK$368,284/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,626,069 · Scale 2, in force from 26 Feb 2026)