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$87,501
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$90,223
−HK$2,765/mo
Today · 4.125%
HK$92,988
baseline
▲ 0.50% · 4.625%
HK$98,646
+HK$5,658/mo
Deposit HK$19.19M · loan HK$19.19M · min. income ≈ HK$185,976/mo (50% DSR)
Upfront cash ≈ HK$20.82M (deposit + AVD stamp duty HK$1,630,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,344
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$99,955
−HK$2,648/mo
Today · 4.125%
HK$102,603
baseline
▲ 0.50% · 4.625%
HK$108,012
+HK$5,409/mo
Deposit HK$19.19M · loan HK$19.19M · min. income ≈ HK$205,206/mo (50% DSR)
Upfront cash ≈ HK$20.82M (deposit + AVD stamp duty HK$1,630,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,001
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$108,267
−HK$3,319/mo
Today · 4.125%
HK$111,586
baseline
▲ 0.50% · 4.625%
HK$118,376
+HK$6,790/mo
Deposit HK$15.35M · loan HK$23.02M · min. income ≈ HK$223,172/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,630,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,813
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$119,946
−HK$3,178/mo
Today · 4.125%
HK$123,124
baseline
▲ 0.50% · 4.625%
HK$129,614
+HK$6,490/mo
Deposit HK$15.35M · loan HK$23.02M · min. income ≈ HK$246,248/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,630,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,501
−HK$7,682/mo
▼ 0.25% · 3.875%
HK$126,312
−HK$3,871/mo
Today · 4.125%
HK$130,183
baseline
▲ 0.50% · 4.625%
HK$138,105
+HK$7,922/mo
Deposit HK$11.51M · loan HK$26.86M · min. income ≈ HK$260,366/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,630,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,282
−HK$7,363/mo
▼ 0.25% · 3.875%
HK$139,937
−HK$3,708/mo
Today · 4.125%
HK$143,645
baseline
▲ 0.50% · 4.625%
HK$151,216
+HK$7,571/mo
Deposit HK$11.51M · loan HK$26.86M · min. income ≈ HK$287,290/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,630,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,502
−HK$9,877/mo
▼ 0.25% · 3.875%
HK$162,401
−HK$4,978/mo
Today · 4.125%
HK$167,379
baseline
▲ 0.50% · 4.625%
HK$177,563
+HK$10,184/mo
Deposit HK$3.84M · loan HK$34.54M · min. income ≈ HK$334,758/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,630,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,219
−HK$9,467/mo
▼ 0.25% · 3.875%
HK$179,919
−HK$4,767/mo
Today · 4.125%
HK$184,686
baseline
▲ 0.50% · 4.625%
HK$194,421
+HK$9,735/mo
Deposit HK$3.84M · loan HK$34.54M · min. income ≈ HK$369,372/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,630,868 · Scale 2, in force from 26 Feb 2026)