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$86,879
−HK$5,448/mo
▼ 0.25% · 3.875%
HK$89,581
−HK$2,746/mo
Today · 4.125%
HK$92,327
baseline
▲ 0.50% · 4.625%
HK$97,945
+HK$5,618/mo
Deposit HK$19.05M · loan HK$19.05M · min. income ≈ HK$184,654/mo (50% DSR)
Upfront cash ≈ HK$20.67M (deposit + AVD stamp duty HK$1,619,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,652
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$99,244
−HK$2,630/mo
Today · 4.125%
HK$101,874
baseline
▲ 0.50% · 4.625%
HK$107,244
+HK$5,370/mo
Deposit HK$19.05M · loan HK$19.05M · min. income ≈ HK$203,748/mo (50% DSR)
Upfront cash ≈ HK$20.67M (deposit + AVD stamp duty HK$1,619,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,255
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$107,498
−HK$3,294/mo
Today · 4.125%
HK$110,792
baseline
▲ 0.50% · 4.625%
HK$117,534
+HK$6,742/mo
Deposit HK$15.24M · loan HK$22.86M · min. income ≈ HK$221,584/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,619,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,982
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$119,093
−HK$3,156/mo
Today · 4.125%
HK$122,249
baseline
▲ 0.50% · 4.625%
HK$128,692
+HK$6,443/mo
Deposit HK$15.24M · loan HK$22.86M · min. income ≈ HK$244,498/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,619,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,631
−HK$7,627/mo
▼ 0.25% · 3.875%
HK$125,414
−HK$3,844/mo
Today · 4.125%
HK$129,258
baseline
▲ 0.50% · 4.625%
HK$137,123
+HK$7,865/mo
Deposit HK$11.43M · loan HK$26.67M · min. income ≈ HK$258,516/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,619,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,313
−HK$7,310/mo
▼ 0.25% · 3.875%
HK$138,942
−HK$3,681/mo
Today · 4.125%
HK$142,623
baseline
▲ 0.50% · 4.625%
HK$150,141
+HK$7,518/mo
Deposit HK$11.43M · loan HK$26.67M · min. income ≈ HK$285,246/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,619,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,382
−HK$9,807/mo
▼ 0.25% · 3.875%
HK$161,246
−HK$4,943/mo
Today · 4.125%
HK$166,189
baseline
▲ 0.50% · 4.625%
HK$176,301
+HK$10,112/mo
Deposit HK$3.81M · loan HK$34.29M · min. income ≈ HK$332,378/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,619,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,974
−HK$9,399/mo
▼ 0.25% · 3.875%
HK$178,639
−HK$4,734/mo
Today · 4.125%
HK$183,373
baseline
▲ 0.50% · 4.625%
HK$193,039
+HK$9,666/mo
Deposit HK$3.81M · loan HK$34.29M · min. income ≈ HK$366,746/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,619,272 · Scale 2, in force from 26 Feb 2026)