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$86,711
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$89,408
−HK$2,740/mo
Today · 4.125%
HK$92,148
baseline
▲ 0.50% · 4.625%
HK$97,755
+HK$5,607/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$184,296/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,616,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,465
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$99,052
−HK$2,625/mo
Today · 4.125%
HK$101,677
baseline
▲ 0.50% · 4.625%
HK$107,036
+HK$5,359/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$203,354/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,616,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,053
−HK$6,525/mo
▼ 0.25% · 3.875%
HK$107,290
−HK$3,288/mo
Today · 4.125%
HK$110,578
baseline
▲ 0.50% · 4.625%
HK$117,306
+HK$6,728/mo
Deposit HK$15.21M · loan HK$22.82M · min. income ≈ HK$221,156/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,616,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,758
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$118,862
−HK$3,150/mo
Today · 4.125%
HK$122,012
baseline
▲ 0.50% · 4.625%
HK$128,443
+HK$6,431/mo
Deposit HK$15.21M · loan HK$22.82M · min. income ≈ HK$244,024/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,616,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,395
−HK$7,613/mo
▼ 0.25% · 3.875%
HK$125,171
−HK$3,837/mo
Today · 4.125%
HK$129,008
baseline
▲ 0.50% · 4.625%
HK$136,857
+HK$7,849/mo
Deposit HK$11.41M · loan HK$26.62M · min. income ≈ HK$258,016/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,616,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,051
−HK$7,296/mo
▼ 0.25% · 3.875%
HK$138,673
−HK$3,674/mo
Today · 4.125%
HK$142,347
baseline
▲ 0.50% · 4.625%
HK$149,851
+HK$7,504/mo
Deposit HK$11.41M · loan HK$26.62M · min. income ≈ HK$284,694/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,616,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,079
−HK$9,788/mo
▼ 0.25% · 3.875%
HK$160,934
−HK$4,933/mo
Today · 4.125%
HK$165,867
baseline
▲ 0.50% · 4.625%
HK$175,960
+HK$10,093/mo
Deposit HK$3.80M · loan HK$34.22M · min. income ≈ HK$331,734/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,616,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,637
−HK$9,381/mo
▼ 0.25% · 3.875%
HK$178,294
−HK$4,724/mo
Today · 4.125%
HK$183,018
baseline
▲ 0.50% · 4.625%
HK$192,665
+HK$9,647/mo
Deposit HK$3.80M · loan HK$34.22M · min. income ≈ HK$366,036/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,616,138 · Scale 2, in force from 26 Feb 2026)