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$87,282
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$89,997
−HK$2,758/mo
Today · 4.125%
HK$92,755
baseline
▲ 0.50% · 4.625%
HK$98,399
+HK$5,644/mo
Deposit HK$19.14M · loan HK$19.14M · min. income ≈ HK$185,510/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,626,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,100
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$99,705
−HK$2,641/mo
Today · 4.125%
HK$102,346
baseline
▲ 0.50% · 4.625%
HK$107,741
+HK$5,395/mo
Deposit HK$19.14M · loan HK$19.14M · min. income ≈ HK$204,692/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,626,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,738
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$107,996
−HK$3,311/mo
Today · 4.125%
HK$111,307
baseline
▲ 0.50% · 4.625%
HK$118,079
+HK$6,772/mo
Deposit HK$15.31M · loan HK$22.97M · min. income ≈ HK$222,614/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,626,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,521
−HK$6,295/mo
▼ 0.25% · 3.875%
HK$119,646
−HK$3,170/mo
Today · 4.125%
HK$122,816
baseline
▲ 0.50% · 4.625%
HK$129,290
+HK$6,474/mo
Deposit HK$15.31M · loan HK$22.97M · min. income ≈ HK$245,632/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,626,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,195
−HK$7,663/mo
▼ 0.25% · 3.875%
HK$125,996
−HK$3,862/mo
Today · 4.125%
HK$129,858
baseline
▲ 0.50% · 4.625%
HK$137,759
+HK$7,901/mo
Deposit HK$11.48M · loan HK$26.79M · min. income ≈ HK$259,716/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,626,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,941
−HK$7,344/mo
▼ 0.25% · 3.875%
HK$139,586
−HK$3,699/mo
Today · 4.125%
HK$143,285
baseline
▲ 0.50% · 4.625%
HK$150,838
+HK$7,553/mo
Deposit HK$11.48M · loan HK$26.79M · min. income ≈ HK$286,570/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,626,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,108
−HK$9,852/mo
▼ 0.25% · 3.875%
HK$161,995
−HK$4,965/mo
Today · 4.125%
HK$166,960
baseline
▲ 0.50% · 4.625%
HK$177,119
+HK$10,159/mo
Deposit HK$3.83M · loan HK$34.45M · min. income ≈ HK$333,920/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,626,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,781
−HK$9,443/mo
▼ 0.25% · 3.875%
HK$179,468
−HK$4,756/mo
Today · 4.125%
HK$184,224
baseline
▲ 0.50% · 4.625%
HK$193,934
+HK$9,710/mo
Deposit HK$3.83M · loan HK$34.45M · min. income ≈ HK$368,448/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,626,786 · Scale 2, in force from 26 Feb 2026)