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$87,399
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$90,118
−HK$2,762/mo
Today · 4.125%
HK$92,880
baseline
▲ 0.50% · 4.625%
HK$98,531
+HK$5,651/mo
Deposit HK$19.16M · loan HK$19.16M · min. income ≈ HK$185,760/mo (50% DSR)
Upfront cash ≈ HK$20.79M (deposit + AVD stamp duty HK$1,628,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,231
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$99,838
−HK$2,646/mo
Today · 4.125%
HK$102,484
baseline
▲ 0.50% · 4.625%
HK$107,886
+HK$5,402/mo
Deposit HK$19.16M · loan HK$19.16M · min. income ≈ HK$204,968/mo (50% DSR)
Upfront cash ≈ HK$20.79M (deposit + AVD stamp duty HK$1,628,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,879
−HK$6,577/mo
▼ 0.25% · 3.875%
HK$108,141
−HK$3,315/mo
Today · 4.125%
HK$111,456
baseline
▲ 0.50% · 4.625%
HK$118,237
+HK$6,781/mo
Deposit HK$15.33M · loan HK$23.00M · min. income ≈ HK$222,912/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,628,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,677
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$119,806
−HK$3,174/mo
Today · 4.125%
HK$122,980
baseline
▲ 0.50% · 4.625%
HK$129,463
+HK$6,483/mo
Deposit HK$15.33M · loan HK$23.00M · min. income ≈ HK$245,960/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,628,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,359
−HK$7,673/mo
▼ 0.25% · 3.875%
HK$126,165
−HK$3,867/mo
Today · 4.125%
HK$130,032
baseline
▲ 0.50% · 4.625%
HK$137,944
+HK$7,912/mo
Deposit HK$11.50M · loan HK$26.83M · min. income ≈ HK$260,064/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,628,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,123
−HK$7,354/mo
▼ 0.25% · 3.875%
HK$139,773
−HK$3,704/mo
Today · 4.125%
HK$143,477
baseline
▲ 0.50% · 4.625%
HK$151,040
+HK$7,563/mo
Deposit HK$11.50M · loan HK$26.83M · min. income ≈ HK$286,954/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,628,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,318
−HK$9,865/mo
▼ 0.25% · 3.875%
HK$162,212
−HK$4,971/mo
Today · 4.125%
HK$167,183
baseline
▲ 0.50% · 4.625%
HK$177,356
+HK$10,173/mo
Deposit HK$3.83M · loan HK$34.50M · min. income ≈ HK$334,366/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,628,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,015
−HK$9,455/mo
▼ 0.25% · 3.875%
HK$179,709
−HK$4,761/mo
Today · 4.125%
HK$184,470
baseline
▲ 0.50% · 4.625%
HK$194,194
+HK$9,724/mo
Deposit HK$3.83M · loan HK$34.50M · min. income ≈ HK$368,940/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,628,966 · Scale 2, in force from 26 Feb 2026)