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$87,689
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$90,416
−HK$2,772/mo
Today · 4.125%
HK$93,188
baseline
▲ 0.50% · 4.625%
HK$98,858
+HK$5,670/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$186,376/mo (50% DSR)
Upfront cash ≈ HK$20.86M (deposit + AVD stamp duty HK$1,634,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,553
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$100,169
−HK$2,654/mo
Today · 4.125%
HK$102,823
baseline
▲ 0.50% · 4.625%
HK$108,243
+HK$5,420/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$205,646/mo (50% DSR)
Upfront cash ≈ HK$20.86M (deposit + AVD stamp duty HK$1,634,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,226
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$108,500
−HK$3,325/mo
Today · 4.125%
HK$111,825
baseline
▲ 0.50% · 4.625%
HK$118,629
+HK$6,804/mo
Deposit HK$15.38M · loan HK$23.07M · min. income ≈ HK$223,650/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,063
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$120,203
−HK$3,185/mo
Today · 4.125%
HK$123,388
baseline
▲ 0.50% · 4.625%
HK$129,892
+HK$6,504/mo
Deposit HK$15.38M · loan HK$23.07M · min. income ≈ HK$246,776/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,764
−HK$7,699/mo
▼ 0.25% · 3.875%
HK$126,583
−HK$3,880/mo
Today · 4.125%
HK$130,463
baseline
▲ 0.50% · 4.625%
HK$138,401
+HK$7,938/mo
Deposit HK$11.54M · loan HK$26.92M · min. income ≈ HK$260,926/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,574
−HK$7,379/mo
▼ 0.25% · 3.875%
HK$140,237
−HK$3,716/mo
Today · 4.125%
HK$143,953
baseline
▲ 0.50% · 4.625%
HK$151,540
+HK$7,587/mo
Deposit HK$11.54M · loan HK$26.92M · min. income ≈ HK$287,906/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,840
−HK$9,898/mo
▼ 0.25% · 3.875%
HK$162,749
−HK$4,989/mo
Today · 4.125%
HK$167,738
baseline
▲ 0.50% · 4.625%
HK$177,944
+HK$10,206/mo
Deposit HK$3.85M · loan HK$34.61M · min. income ≈ HK$335,476/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,595
−HK$9,487/mo
▼ 0.25% · 3.875%
HK$180,304
−HK$4,778/mo
Today · 4.125%
HK$185,082
baseline
▲ 0.50% · 4.625%
HK$194,838
+HK$9,756/mo
Deposit HK$3.85M · loan HK$34.61M · min. income ≈ HK$370,164/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,364 · Scale 2, in force from 26 Feb 2026)