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$87,310
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$90,026
−HK$2,759/mo
Today · 4.125%
HK$92,785
baseline
▲ 0.50% · 4.625%
HK$98,431
+HK$5,646/mo
Deposit HK$19.14M · loan HK$19.14M · min. income ≈ HK$185,570/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,627,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,132
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$99,737
−HK$2,642/mo
Today · 4.125%
HK$102,379
baseline
▲ 0.50% · 4.625%
HK$107,776
+HK$5,397/mo
Deposit HK$19.14M · loan HK$19.14M · min. income ≈ HK$204,758/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,627,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,772
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$108,031
−HK$3,311/mo
Today · 4.125%
HK$111,342
baseline
▲ 0.50% · 4.625%
HK$118,117
+HK$6,775/mo
Deposit HK$15.32M · loan HK$22.97M · min. income ≈ HK$222,684/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,627,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,558
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$119,684
−HK$3,171/mo
Today · 4.125%
HK$122,855
baseline
▲ 0.50% · 4.625%
HK$129,331
+HK$6,476/mo
Deposit HK$15.32M · loan HK$22.97M · min. income ≈ HK$245,710/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,627,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,234
−HK$7,665/mo
▼ 0.25% · 3.875%
HK$126,036
−HK$3,863/mo
Today · 4.125%
HK$129,899
baseline
▲ 0.50% · 4.625%
HK$137,803
+HK$7,904/mo
Deposit HK$11.49M · loan HK$26.80M · min. income ≈ HK$259,798/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,627,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,984
−HK$7,347/mo
▼ 0.25% · 3.875%
HK$139,631
−HK$3,700/mo
Today · 4.125%
HK$143,331
baseline
▲ 0.50% · 4.625%
HK$150,886
+HK$7,555/mo
Deposit HK$11.49M · loan HK$26.80M · min. income ≈ HK$286,662/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,627,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,158
−HK$9,855/mo
▼ 0.25% · 3.875%
HK$162,047
−HK$4,966/mo
Today · 4.125%
HK$167,013
baseline
▲ 0.50% · 4.625%
HK$177,176
+HK$10,163/mo
Deposit HK$3.83M · loan HK$34.46M · min. income ≈ HK$334,026/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,627,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,837
−HK$9,446/mo
▼ 0.25% · 3.875%
HK$179,526
−HK$4,757/mo
Today · 4.125%
HK$184,283
baseline
▲ 0.50% · 4.625%
HK$193,996
+HK$9,713/mo
Deposit HK$3.83M · loan HK$34.46M · min. income ≈ HK$368,566/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,627,307 · Scale 2, in force from 26 Feb 2026)