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$87,295
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$90,011
−HK$2,759/mo
Today · 4.125%
HK$92,770
baseline
▲ 0.50% · 4.625%
HK$98,414
+HK$5,644/mo
Deposit HK$19.14M · loan HK$19.14M · min. income ≈ HK$185,540/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,627,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,115
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$99,720
−HK$2,642/mo
Today · 4.125%
HK$102,362
baseline
▲ 0.50% · 4.625%
HK$107,758
+HK$5,396/mo
Deposit HK$19.14M · loan HK$19.14M · min. income ≈ HK$204,724/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,627,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,754
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$108,013
−HK$3,310/mo
Today · 4.125%
HK$111,323
baseline
▲ 0.50% · 4.625%
HK$118,097
+HK$6,774/mo
Deposit HK$15.31M · loan HK$22.97M · min. income ≈ HK$222,646/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,627,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,538
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$119,664
−HK$3,170/mo
Today · 4.125%
HK$122,834
baseline
▲ 0.50% · 4.625%
HK$129,309
+HK$6,475/mo
Deposit HK$15.31M · loan HK$22.97M · min. income ≈ HK$245,668/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,627,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,213
−HK$7,664/mo
▼ 0.25% · 3.875%
HK$126,015
−HK$3,862/mo
Today · 4.125%
HK$129,877
baseline
▲ 0.50% · 4.625%
HK$137,780
+HK$7,903/mo
Deposit HK$11.48M · loan HK$26.80M · min. income ≈ HK$259,754/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,627,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,961
−HK$7,346/mo
▼ 0.25% · 3.875%
HK$139,608
−HK$3,699/mo
Today · 4.125%
HK$143,307
baseline
▲ 0.50% · 4.625%
HK$150,861
+HK$7,554/mo
Deposit HK$11.48M · loan HK$26.80M · min. income ≈ HK$286,614/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,627,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,132
−HK$9,853/mo
▼ 0.25% · 3.875%
HK$162,019
−HK$4,966/mo
Today · 4.125%
HK$166,985
baseline
▲ 0.50% · 4.625%
HK$177,146
+HK$10,161/mo
Deposit HK$3.83M · loan HK$34.45M · min. income ≈ HK$333,970/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,627,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,807
−HK$9,445/mo
▼ 0.25% · 3.875%
HK$179,496
−HK$4,756/mo
Today · 4.125%
HK$184,252
baseline
▲ 0.50% · 4.625%
HK$193,964
+HK$9,712/mo
Deposit HK$3.83M · loan HK$34.45M · min. income ≈ HK$368,504/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,627,033 · Scale 2, in force from 26 Feb 2026)