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$87,183
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$89,895
−HK$2,755/mo
Today · 4.125%
HK$92,650
baseline
▲ 0.50% · 4.625%
HK$98,288
+HK$5,638/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$185,300/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,624,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,990
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$99,592
−HK$2,639/mo
Today · 4.125%
HK$102,231
baseline
▲ 0.50% · 4.625%
HK$107,619
+HK$5,388/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$204,462/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,624,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,620
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$107,874
−HK$3,306/mo
Today · 4.125%
HK$111,180
baseline
▲ 0.50% · 4.625%
HK$117,945
+HK$6,765/mo
Deposit HK$15.29M · loan HK$22.94M · min. income ≈ HK$222,360/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,624,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,389
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$119,510
−HK$3,167/mo
Today · 4.125%
HK$122,677
baseline
▲ 0.50% · 4.625%
HK$129,143
+HK$6,466/mo
Deposit HK$15.29M · loan HK$22.94M · min. income ≈ HK$245,354/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,624,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,056
−HK$7,654/mo
▼ 0.25% · 3.875%
HK$125,853
−HK$3,857/mo
Today · 4.125%
HK$129,710
baseline
▲ 0.50% · 4.625%
HK$137,603
+HK$7,893/mo
Deposit HK$11.47M · loan HK$26.76M · min. income ≈ HK$259,420/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,624,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,787
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$139,428
−HK$3,695/mo
Today · 4.125%
HK$143,123
baseline
▲ 0.50% · 4.625%
HK$150,667
+HK$7,544/mo
Deposit HK$11.47M · loan HK$26.76M · min. income ≈ HK$286,246/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,624,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,930
−HK$9,841/mo
▼ 0.25% · 3.875%
HK$161,811
−HK$4,960/mo
Today · 4.125%
HK$166,771
baseline
▲ 0.50% · 4.625%
HK$176,918
+HK$10,147/mo
Deposit HK$3.82M · loan HK$34.41M · min. income ≈ HK$333,542/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,583
−HK$9,432/mo
▼ 0.25% · 3.875%
HK$179,265
−HK$4,750/mo
Today · 4.125%
HK$184,015
baseline
▲ 0.50% · 4.625%
HK$193,715
+HK$9,700/mo
Deposit HK$3.82M · loan HK$34.41M · min. income ≈ HK$368,030/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,943 · Scale 2, in force from 26 Feb 2026)