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$87,281
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$89,996
−HK$2,759/mo
Today · 4.125%
HK$92,755
baseline
▲ 0.50% · 4.625%
HK$98,399
+HK$5,644/mo
Deposit HK$19.14M · loan HK$19.14M · min. income ≈ HK$185,510/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,626,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,100
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$99,704
−HK$2,642/mo
Today · 4.125%
HK$102,346
baseline
▲ 0.50% · 4.625%
HK$107,741
+HK$5,395/mo
Deposit HK$19.14M · loan HK$19.14M · min. income ≈ HK$204,692/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,626,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,738
−HK$6,568/mo
▼ 0.25% · 3.875%
HK$107,996
−HK$3,310/mo
Today · 4.125%
HK$111,306
baseline
▲ 0.50% · 4.625%
HK$118,078
+HK$6,772/mo
Deposit HK$15.31M · loan HK$22.97M · min. income ≈ HK$222,612/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,626,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,520
−HK$6,295/mo
▼ 0.25% · 3.875%
HK$119,645
−HK$3,170/mo
Today · 4.125%
HK$122,815
baseline
▲ 0.50% · 4.625%
HK$129,289
+HK$6,474/mo
Deposit HK$15.31M · loan HK$22.97M · min. income ≈ HK$245,630/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,626,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,194
−HK$7,663/mo
▼ 0.25% · 3.875%
HK$125,995
−HK$3,862/mo
Today · 4.125%
HK$129,857
baseline
▲ 0.50% · 4.625%
HK$137,758
+HK$7,901/mo
Deposit HK$11.48M · loan HK$26.79M · min. income ≈ HK$259,714/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,626,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,940
−HK$7,344/mo
▼ 0.25% · 3.875%
HK$139,585
−HK$3,699/mo
Today · 4.125%
HK$143,284
baseline
▲ 0.50% · 4.625%
HK$150,837
+HK$7,553/mo
Deposit HK$11.48M · loan HK$26.79M · min. income ≈ HK$286,568/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,626,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,107
−HK$9,852/mo
▼ 0.25% · 3.875%
HK$161,994
−HK$4,965/mo
Today · 4.125%
HK$166,959
baseline
▲ 0.50% · 4.625%
HK$177,118
+HK$10,159/mo
Deposit HK$3.83M · loan HK$34.45M · min. income ≈ HK$333,918/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,626,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,780
−HK$9,442/mo
▼ 0.25% · 3.875%
HK$179,467
−HK$4,755/mo
Today · 4.125%
HK$184,222
baseline
▲ 0.50% · 4.625%
HK$193,933
+HK$9,711/mo
Deposit HK$3.83M · loan HK$34.45M · min. income ≈ HK$368,444/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,626,775 · Scale 2, in force from 26 Feb 2026)