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$87,180
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$89,892
−HK$2,755/mo
Today · 4.125%
HK$92,647
baseline
▲ 0.50% · 4.625%
HK$98,284
+HK$5,637/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$185,294/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,624,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,987
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$99,588
−HK$2,639/mo
Today · 4.125%
HK$102,227
baseline
▲ 0.50% · 4.625%
HK$107,615
+HK$5,388/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$204,454/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,624,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,616
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$107,870
−HK$3,306/mo
Today · 4.125%
HK$111,176
baseline
▲ 0.50% · 4.625%
HK$117,941
+HK$6,765/mo
Deposit HK$15.29M · loan HK$22.94M · min. income ≈ HK$222,352/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,624,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,384
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$119,505
−HK$3,167/mo
Today · 4.125%
HK$122,672
baseline
▲ 0.50% · 4.625%
HK$129,138
+HK$6,466/mo
Deposit HK$15.29M · loan HK$22.94M · min. income ≈ HK$245,344/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,624,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,052
−HK$7,653/mo
▼ 0.25% · 3.875%
HK$125,848
−HK$3,857/mo
Today · 4.125%
HK$129,705
baseline
▲ 0.50% · 4.625%
HK$137,598
+HK$7,893/mo
Deposit HK$11.47M · loan HK$26.76M · min. income ≈ HK$259,410/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,781
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$139,423
−HK$3,694/mo
Today · 4.125%
HK$143,117
baseline
▲ 0.50% · 4.625%
HK$150,661
+HK$7,544/mo
Deposit HK$11.47M · loan HK$26.76M · min. income ≈ HK$286,234/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,924
−HK$9,840/mo
▼ 0.25% · 3.875%
HK$161,805
−HK$4,959/mo
Today · 4.125%
HK$166,764
baseline
▲ 0.50% · 4.625%
HK$176,911
+HK$10,147/mo
Deposit HK$3.82M · loan HK$34.41M · min. income ≈ HK$333,528/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,576
−HK$9,432/mo
▼ 0.25% · 3.875%
HK$179,258
−HK$4,750/mo
Today · 4.125%
HK$184,008
baseline
▲ 0.50% · 4.625%
HK$193,707
+HK$9,699/mo
Deposit HK$3.82M · loan HK$34.41M · min. income ≈ HK$368,016/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,881 · Scale 2, in force from 26 Feb 2026)