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$87,127
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$89,837
−HK$2,753/mo
Today · 4.125%
HK$92,590
baseline
▲ 0.50% · 4.625%
HK$98,224
+HK$5,634/mo
Deposit HK$19.10M · loan HK$19.10M · min. income ≈ HK$185,180/mo (50% DSR)
Upfront cash ≈ HK$20.73M (deposit + AVD stamp duty HK$1,623,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,928
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$99,527
−HK$2,637/mo
Today · 4.125%
HK$102,164
baseline
▲ 0.50% · 4.625%
HK$107,550
+HK$5,386/mo
Deposit HK$19.10M · loan HK$19.10M · min. income ≈ HK$204,328/mo (50% DSR)
Upfront cash ≈ HK$20.73M (deposit + AVD stamp duty HK$1,623,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,552
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$107,804
−HK$3,304/mo
Today · 4.125%
HK$111,108
baseline
▲ 0.50% · 4.625%
HK$117,869
+HK$6,761/mo
Deposit HK$15.28M · loan HK$22.93M · min. income ≈ HK$222,216/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,623,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,313
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$119,433
−HK$3,164/mo
Today · 4.125%
HK$122,597
baseline
▲ 0.50% · 4.625%
HK$129,059
+HK$6,462/mo
Deposit HK$15.28M · loan HK$22.93M · min. income ≈ HK$245,194/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,623,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,977
−HK$7,650/mo
▼ 0.25% · 3.875%
HK$125,772
−HK$3,855/mo
Today · 4.125%
HK$129,627
baseline
▲ 0.50% · 4.625%
HK$137,514
+HK$7,887/mo
Deposit HK$11.46M · loan HK$26.75M · min. income ≈ HK$259,254/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,623,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,699
−HK$7,331/mo
▼ 0.25% · 3.875%
HK$139,338
−HK$3,692/mo
Today · 4.125%
HK$143,030
baseline
▲ 0.50% · 4.625%
HK$150,569
+HK$7,539/mo
Deposit HK$11.46M · loan HK$26.75M · min. income ≈ HK$286,060/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,623,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,828
−HK$9,835/mo
▼ 0.25% · 3.875%
HK$161,706
−HK$4,957/mo
Today · 4.125%
HK$166,663
baseline
▲ 0.50% · 4.625%
HK$176,804
+HK$10,141/mo
Deposit HK$3.82M · loan HK$34.39M · min. income ≈ HK$333,326/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,623,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,470
−HK$9,426/mo
▼ 0.25% · 3.875%
HK$179,149
−HK$4,747/mo
Today · 4.125%
HK$183,896
baseline
▲ 0.50% · 4.625%
HK$193,589
+HK$9,693/mo
Deposit HK$3.82M · loan HK$34.39M · min. income ≈ HK$367,792/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,623,891 · Scale 2, in force from 26 Feb 2026)