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$87,682
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$90,409
−HK$2,772/mo
Today · 4.125%
HK$93,181
baseline
▲ 0.50% · 4.625%
HK$98,850
+HK$5,669/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$186,362/mo (50% DSR)
Upfront cash ≈ HK$20.86M (deposit + AVD stamp duty HK$1,634,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,545
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$100,162
−HK$2,653/mo
Today · 4.125%
HK$102,815
baseline
▲ 0.50% · 4.625%
HK$108,235
+HK$5,420/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$205,630/mo (50% DSR)
Upfront cash ≈ HK$20.86M (deposit + AVD stamp duty HK$1,634,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,218
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$108,491
−HK$3,326/mo
Today · 4.125%
HK$111,817
baseline
▲ 0.50% · 4.625%
HK$118,620
+HK$6,803/mo
Deposit HK$15.38M · loan HK$23.07M · min. income ≈ HK$223,634/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,055
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$120,194
−HK$3,185/mo
Today · 4.125%
HK$123,379
baseline
▲ 0.50% · 4.625%
HK$129,882
+HK$6,503/mo
Deposit HK$15.38M · loan HK$23.07M · min. income ≈ HK$246,758/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,755
−HK$7,698/mo
▼ 0.25% · 3.875%
HK$126,573
−HK$3,880/mo
Today · 4.125%
HK$130,453
baseline
▲ 0.50% · 4.625%
HK$138,390
+HK$7,937/mo
Deposit HK$11.54M · loan HK$26.92M · min. income ≈ HK$260,906/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,564
−HK$7,378/mo
▼ 0.25% · 3.875%
HK$140,226
−HK$3,716/mo
Today · 4.125%
HK$143,942
baseline
▲ 0.50% · 4.625%
HK$151,529
+HK$7,587/mo
Deposit HK$11.54M · loan HK$26.92M · min. income ≈ HK$287,884/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,828
−HK$9,897/mo
▼ 0.25% · 3.875%
HK$162,737
−HK$4,988/mo
Today · 4.125%
HK$167,725
baseline
▲ 0.50% · 4.625%
HK$177,931
+HK$10,206/mo
Deposit HK$3.85M · loan HK$34.61M · min. income ≈ HK$335,450/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,582
−HK$9,486/mo
▼ 0.25% · 3.875%
HK$180,291
−HK$4,777/mo
Today · 4.125%
HK$185,068
baseline
▲ 0.50% · 4.625%
HK$194,823
+HK$9,755/mo
Deposit HK$3.85M · loan HK$34.61M · min. income ≈ HK$370,136/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,241 · Scale 2, in force from 26 Feb 2026)