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$87,283
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$89,998
−HK$2,759/mo
Today · 4.125%
HK$92,757
baseline
▲ 0.50% · 4.625%
HK$98,401
+HK$5,644/mo
Deposit HK$19.14M · loan HK$19.14M · min. income ≈ HK$185,514/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,626,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,102
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$99,706
−HK$2,642/mo
Today · 4.125%
HK$102,348
baseline
▲ 0.50% · 4.625%
HK$107,743
+HK$5,395/mo
Deposit HK$19.14M · loan HK$19.14M · min. income ≈ HK$204,696/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,626,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,740
−HK$6,568/mo
▼ 0.25% · 3.875%
HK$107,998
−HK$3,310/mo
Today · 4.125%
HK$111,308
baseline
▲ 0.50% · 4.625%
HK$118,081
+HK$6,773/mo
Deposit HK$15.31M · loan HK$22.97M · min. income ≈ HK$222,616/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,626,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,522
−HK$6,295/mo
▼ 0.25% · 3.875%
HK$119,647
−HK$3,170/mo
Today · 4.125%
HK$122,817
baseline
▲ 0.50% · 4.625%
HK$129,291
+HK$6,474/mo
Deposit HK$15.31M · loan HK$22.97M · min. income ≈ HK$245,634/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,626,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,197
−HK$7,662/mo
▼ 0.25% · 3.875%
HK$125,998
−HK$3,861/mo
Today · 4.125%
HK$129,859
baseline
▲ 0.50% · 4.625%
HK$137,761
+HK$7,902/mo
Deposit HK$11.48M · loan HK$26.79M · min. income ≈ HK$259,718/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,626,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,942
−HK$7,345/mo
▼ 0.25% · 3.875%
HK$139,588
−HK$3,699/mo
Today · 4.125%
HK$143,287
baseline
▲ 0.50% · 4.625%
HK$150,840
+HK$7,553/mo
Deposit HK$11.48M · loan HK$26.79M · min. income ≈ HK$286,574/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,626,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,110
−HK$9,852/mo
▼ 0.25% · 3.875%
HK$161,997
−HK$4,965/mo
Today · 4.125%
HK$166,962
baseline
▲ 0.50% · 4.625%
HK$177,121
+HK$10,159/mo
Deposit HK$3.83M · loan HK$34.45M · min. income ≈ HK$333,924/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,626,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,783
−HK$9,443/mo
▼ 0.25% · 3.875%
HK$179,471
−HK$4,755/mo
Today · 4.125%
HK$184,226
baseline
▲ 0.50% · 4.625%
HK$193,937
+HK$9,711/mo
Deposit HK$3.83M · loan HK$34.45M · min. income ≈ HK$368,452/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,626,808 · Scale 2, in force from 26 Feb 2026)