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$86,750
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$89,448
−HK$2,742/mo
Today · 4.125%
HK$92,190
baseline
▲ 0.50% · 4.625%
HK$97,799
+HK$5,609/mo
Deposit HK$19.02M · loan HK$19.02M · min. income ≈ HK$184,380/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$1,616,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,508
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$99,097
−HK$2,625/mo
Today · 4.125%
HK$101,722
baseline
▲ 0.50% · 4.625%
HK$107,084
+HK$5,362/mo
Deposit HK$19.02M · loan HK$19.02M · min. income ≈ HK$203,444/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$1,616,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,100
−HK$6,528/mo
▼ 0.25% · 3.875%
HK$107,338
−HK$3,290/mo
Today · 4.125%
HK$110,628
baseline
▲ 0.50% · 4.625%
HK$117,359
+HK$6,731/mo
Deposit HK$15.22M · loan HK$22.83M · min. income ≈ HK$221,256/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,616,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,810
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$118,916
−HK$3,151/mo
Today · 4.125%
HK$122,067
baseline
▲ 0.50% · 4.625%
HK$128,501
+HK$6,434/mo
Deposit HK$15.22M · loan HK$22.83M · min. income ≈ HK$244,134/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,616,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,450
−HK$7,616/mo
▼ 0.25% · 3.875%
HK$125,228
−HK$3,838/mo
Today · 4.125%
HK$129,066
baseline
▲ 0.50% · 4.625%
HK$136,919
+HK$7,853/mo
Deposit HK$11.41M · loan HK$26.63M · min. income ≈ HK$258,132/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,616,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,112
−HK$7,299/mo
▼ 0.25% · 3.875%
HK$138,735
−HK$3,676/mo
Today · 4.125%
HK$142,411
baseline
▲ 0.50% · 4.625%
HK$149,918
+HK$7,507/mo
Deposit HK$11.41M · loan HK$26.63M · min. income ≈ HK$284,822/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,616,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,150
−HK$9,792/mo
▼ 0.25% · 3.875%
HK$161,007
−HK$4,935/mo
Today · 4.125%
HK$165,942
baseline
▲ 0.50% · 4.625%
HK$176,039
+HK$10,097/mo
Deposit HK$3.80M · loan HK$34.24M · min. income ≈ HK$331,884/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,616,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,715
−HK$9,385/mo
▼ 0.25% · 3.875%
HK$178,374
−HK$4,726/mo
Today · 4.125%
HK$183,100
baseline
▲ 0.50% · 4.625%
HK$192,752
+HK$9,652/mo
Deposit HK$3.80M · loan HK$34.24M · min. income ≈ HK$366,200/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,616,867 · Scale 2, in force from 26 Feb 2026)