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$86,955
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$89,659
−HK$2,748/mo
Today · 4.125%
HK$92,407
baseline
▲ 0.50% · 4.625%
HK$98,030
+HK$5,623/mo
Deposit HK$19.07M · loan HK$19.07M · min. income ≈ HK$184,814/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$1,620,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,736
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$99,330
−HK$2,632/mo
Today · 4.125%
HK$101,962
baseline
▲ 0.50% · 4.625%
HK$107,337
+HK$5,375/mo
Deposit HK$19.07M · loan HK$19.07M · min. income ≈ HK$203,924/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$1,620,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,345
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$107,591
−HK$3,298/mo
Today · 4.125%
HK$110,889
baseline
▲ 0.50% · 4.625%
HK$117,636
+HK$6,747/mo
Deposit HK$15.25M · loan HK$22.88M · min. income ≈ HK$221,778/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,620,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,083
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$119,197
−HK$3,158/mo
Today · 4.125%
HK$122,355
baseline
▲ 0.50% · 4.625%
HK$128,804
+HK$6,449/mo
Deposit HK$15.25M · loan HK$22.88M · min. income ≈ HK$244,710/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,620,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,736
−HK$7,634/mo
▼ 0.25% · 3.875%
HK$125,523
−HK$3,847/mo
Today · 4.125%
HK$129,370
baseline
▲ 0.50% · 4.625%
HK$137,242
+HK$7,872/mo
Deposit HK$11.44M · loan HK$26.69M · min. income ≈ HK$258,740/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,620,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,430
−HK$7,317/mo
▼ 0.25% · 3.875%
HK$139,063
−HK$3,684/mo
Today · 4.125%
HK$142,747
baseline
▲ 0.50% · 4.625%
HK$150,272
+HK$7,525/mo
Deposit HK$11.44M · loan HK$26.69M · min. income ≈ HK$285,494/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,620,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,518
−HK$9,815/mo
▼ 0.25% · 3.875%
HK$161,387
−HK$4,946/mo
Today · 4.125%
HK$166,333
baseline
▲ 0.50% · 4.625%
HK$176,454
+HK$10,121/mo
Deposit HK$3.81M · loan HK$34.32M · min. income ≈ HK$332,666/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,620,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,125
−HK$9,407/mo
▼ 0.25% · 3.875%
HK$178,795
−HK$4,737/mo
Today · 4.125%
HK$183,532
baseline
▲ 0.50% · 4.625%
HK$193,207
+HK$9,675/mo
Deposit HK$3.81M · loan HK$34.32M · min. income ≈ HK$367,064/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,620,681 · Scale 2, in force from 26 Feb 2026)