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$87,863
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$90,597
−HK$2,776/mo
Today · 4.125%
HK$93,373
baseline
▲ 0.50% · 4.625%
HK$99,055
+HK$5,682/mo
Deposit HK$19.27M · loan HK$19.27M · min. income ≈ HK$186,746/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$1,637,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,747
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$100,369
−HK$2,659/mo
Today · 4.125%
HK$103,028
baseline
▲ 0.50% · 4.625%
HK$108,459
+HK$5,431/mo
Deposit HK$19.27M · loan HK$19.27M · min. income ≈ HK$206,056/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$1,637,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,436
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$108,716
−HK$3,332/mo
Today · 4.125%
HK$112,048
baseline
▲ 0.50% · 4.625%
HK$118,866
+HK$6,818/mo
Deposit HK$15.41M · loan HK$23.12M · min. income ≈ HK$224,096/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,637,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,297
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$120,442
−HK$3,192/mo
Today · 4.125%
HK$123,634
baseline
▲ 0.50% · 4.625%
HK$130,151
+HK$6,517/mo
Deposit HK$15.41M · loan HK$23.12M · min. income ≈ HK$247,268/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,637,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,009
−HK$7,714/mo
▼ 0.25% · 3.875%
HK$126,835
−HK$3,888/mo
Today · 4.125%
HK$130,723
baseline
▲ 0.50% · 4.625%
HK$138,677
+HK$7,954/mo
Deposit HK$11.56M · loan HK$26.97M · min. income ≈ HK$261,446/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,637,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,846
−HK$7,393/mo
▼ 0.25% · 3.875%
HK$140,516
−HK$3,723/mo
Today · 4.125%
HK$144,239
baseline
▲ 0.50% · 4.625%
HK$151,843
+HK$7,604/mo
Deposit HK$11.56M · loan HK$26.97M · min. income ≈ HK$288,478/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,637,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,154
−HK$9,918/mo
▼ 0.25% · 3.875%
HK$163,074
−HK$4,998/mo
Today · 4.125%
HK$168,072
baseline
▲ 0.50% · 4.625%
HK$178,299
+HK$10,227/mo
Deposit HK$3.85M · loan HK$34.68M · min. income ≈ HK$336,144/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,637,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,945
−HK$9,506/mo
▼ 0.25% · 3.875%
HK$180,664
−HK$4,787/mo
Today · 4.125%
HK$185,451
baseline
▲ 0.50% · 4.625%
HK$195,226
+HK$9,775/mo
Deposit HK$3.85M · loan HK$34.68M · min. income ≈ HK$370,902/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,637,622 · Scale 2, in force from 26 Feb 2026)