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$87,196
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$89,909
−HK$2,755/mo
Today · 4.125%
HK$92,664
baseline
▲ 0.50% · 4.625%
HK$98,303
+HK$5,639/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$185,328/mo (50% DSR)
Upfront cash ≈ HK$20.75M (deposit + AVD stamp duty HK$1,625,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,005
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$99,607
−HK$2,639/mo
Today · 4.125%
HK$102,246
baseline
▲ 0.50% · 4.625%
HK$107,636
+HK$5,390/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$204,492/mo (50% DSR)
Upfront cash ≈ HK$20.75M (deposit + AVD stamp duty HK$1,625,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,636
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$107,891
−HK$3,306/mo
Today · 4.125%
HK$111,197
baseline
▲ 0.50% · 4.625%
HK$117,963
+HK$6,766/mo
Deposit HK$15.30M · loan HK$22.94M · min. income ≈ HK$222,394/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,625,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,406
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$119,528
−HK$3,167/mo
Today · 4.125%
HK$122,695
baseline
▲ 0.50% · 4.625%
HK$129,163
+HK$6,468/mo
Deposit HK$15.30M · loan HK$22.94M · min. income ≈ HK$245,390/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,625,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,075
−HK$7,655/mo
▼ 0.25% · 3.875%
HK$125,872
−HK$3,858/mo
Today · 4.125%
HK$129,730
baseline
▲ 0.50% · 4.625%
HK$137,624
+HK$7,894/mo
Deposit HK$11.47M · loan HK$26.77M · min. income ≈ HK$259,460/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,625,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,807
−HK$7,338/mo
▼ 0.25% · 3.875%
HK$139,450
−HK$3,695/mo
Today · 4.125%
HK$143,145
baseline
▲ 0.50% · 4.625%
HK$150,690
+HK$7,545/mo
Deposit HK$11.47M · loan HK$26.77M · min. income ≈ HK$286,290/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,625,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,954
−HK$9,842/mo
▼ 0.25% · 3.875%
HK$161,836
−HK$4,960/mo
Today · 4.125%
HK$166,796
baseline
▲ 0.50% · 4.625%
HK$176,945
+HK$10,149/mo
Deposit HK$3.82M · loan HK$34.42M · min. income ≈ HK$333,592/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,625,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,609
−HK$9,434/mo
▼ 0.25% · 3.875%
HK$179,292
−HK$4,751/mo
Today · 4.125%
HK$184,043
baseline
▲ 0.50% · 4.625%
HK$193,744
+HK$9,701/mo
Deposit HK$3.82M · loan HK$34.42M · min. income ≈ HK$368,086/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,625,191 · Scale 2, in force from 26 Feb 2026)