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$88,003
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$90,741
−HK$2,781/mo
Today · 4.125%
HK$93,522
baseline
▲ 0.50% · 4.625%
HK$99,213
+HK$5,691/mo
Deposit HK$19.30M · loan HK$19.30M · min. income ≈ HK$187,044/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$1,640,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,903
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$100,529
−HK$2,663/mo
Today · 4.125%
HK$103,192
baseline
▲ 0.50% · 4.625%
HK$108,632
+HK$5,440/mo
Deposit HK$19.30M · loan HK$19.30M · min. income ≈ HK$206,384/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$1,640,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,604
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$108,889
−HK$3,337/mo
Today · 4.125%
HK$112,226
baseline
▲ 0.50% · 4.625%
HK$119,055
+HK$6,829/mo
Deposit HK$15.44M · loan HK$23.16M · min. income ≈ HK$224,452/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,640,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,484
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$120,634
−HK$3,197/mo
Today · 4.125%
HK$123,831
baseline
▲ 0.50% · 4.625%
HK$130,358
+HK$6,527/mo
Deposit HK$15.44M · loan HK$23.16M · min. income ≈ HK$247,662/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,640,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,205
−HK$7,726/mo
▼ 0.25% · 3.875%
HK$127,037
−HK$3,894/mo
Today · 4.125%
HK$130,931
baseline
▲ 0.50% · 4.625%
HK$138,898
+HK$7,967/mo
Deposit HK$11.58M · loan HK$27.02M · min. income ≈ HK$261,862/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,640,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,064
−HK$7,405/mo
▼ 0.25% · 3.875%
HK$140,740
−HK$3,729/mo
Today · 4.125%
HK$144,469
baseline
▲ 0.50% · 4.625%
HK$152,084
+HK$7,615/mo
Deposit HK$11.58M · loan HK$27.02M · min. income ≈ HK$288,938/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,640,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,406
−HK$9,934/mo
▼ 0.25% · 3.875%
HK$163,334
−HK$5,006/mo
Today · 4.125%
HK$168,340
baseline
▲ 0.50% · 4.625%
HK$178,583
+HK$10,243/mo
Deposit HK$3.86M · loan HK$34.73M · min. income ≈ HK$336,680/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,640,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,225
−HK$9,521/mo
▼ 0.25% · 3.875%
HK$180,952
−HK$4,794/mo
Today · 4.125%
HK$185,746
baseline
▲ 0.50% · 4.625%
HK$195,537
+HK$9,791/mo
Deposit HK$3.86M · loan HK$34.73M · min. income ≈ HK$371,492/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,640,231 · Scale 2, in force from 26 Feb 2026)