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$87,731
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$90,460
−HK$2,773/mo
Today · 4.125%
HK$93,233
baseline
▲ 0.50% · 4.625%
HK$98,906
+HK$5,673/mo
Deposit HK$19.24M · loan HK$19.24M · min. income ≈ HK$186,466/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,635,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,600
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$100,218
−HK$2,655/mo
Today · 4.125%
HK$102,873
baseline
▲ 0.50% · 4.625%
HK$108,296
+HK$5,423/mo
Deposit HK$19.24M · loan HK$19.24M · min. income ≈ HK$205,746/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,635,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,277
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$108,552
−HK$3,327/mo
Today · 4.125%
HK$111,879
baseline
▲ 0.50% · 4.625%
HK$118,687
+HK$6,808/mo
Deposit HK$15.39M · loan HK$23.08M · min. income ≈ HK$223,758/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,635,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,120
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$120,261
−HK$3,187/mo
Today · 4.125%
HK$123,448
baseline
▲ 0.50% · 4.625%
HK$129,955
+HK$6,507/mo
Deposit HK$15.39M · loan HK$23.08M · min. income ≈ HK$246,896/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,635,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,824
−HK$7,702/mo
▼ 0.25% · 3.875%
HK$126,644
−HK$3,882/mo
Today · 4.125%
HK$130,526
baseline
▲ 0.50% · 4.625%
HK$138,468
+HK$7,942/mo
Deposit HK$11.54M · loan HK$26.93M · min. income ≈ HK$261,052/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,635,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,640
−HK$7,382/mo
▼ 0.25% · 3.875%
HK$140,305
−HK$3,717/mo
Today · 4.125%
HK$144,022
baseline
▲ 0.50% · 4.625%
HK$151,614
+HK$7,592/mo
Deposit HK$11.54M · loan HK$26.93M · min. income ≈ HK$288,044/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,635,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,916
−HK$9,903/mo
▼ 0.25% · 3.875%
HK$162,828
−HK$4,991/mo
Today · 4.125%
HK$167,819
baseline
▲ 0.50% · 4.625%
HK$178,030
+HK$10,211/mo
Deposit HK$3.85M · loan HK$34.63M · min. income ≈ HK$335,638/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,635,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,680
−HK$9,491/mo
▼ 0.25% · 3.875%
HK$180,392
−HK$4,779/mo
Today · 4.125%
HK$185,171
baseline
▲ 0.50% · 4.625%
HK$194,932
+HK$9,761/mo
Deposit HK$3.85M · loan HK$34.63M · min. income ≈ HK$370,342/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,635,155 · Scale 2, in force from 26 Feb 2026)