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$87,850
−HK$5,509/mo
▼ 0.25% · 3.875%
HK$90,583
−HK$2,776/mo
Today · 4.125%
HK$93,359
baseline
▲ 0.50% · 4.625%
HK$99,040
+HK$5,681/mo
Deposit HK$19.26M · loan HK$19.26M · min. income ≈ HK$186,718/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$1,637,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,733
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$100,354
−HK$2,659/mo
Today · 4.125%
HK$103,013
baseline
▲ 0.50% · 4.625%
HK$108,443
+HK$5,430/mo
Deposit HK$19.26M · loan HK$19.26M · min. income ≈ HK$206,026/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$1,637,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,421
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$108,700
−HK$3,331/mo
Today · 4.125%
HK$112,031
baseline
▲ 0.50% · 4.625%
HK$118,848
+HK$6,817/mo
Deposit HK$15.41M · loan HK$23.12M · min. income ≈ HK$224,062/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,637,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,279
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$120,425
−HK$3,191/mo
Today · 4.125%
HK$123,616
baseline
▲ 0.50% · 4.625%
HK$130,131
+HK$6,515/mo
Deposit HK$15.41M · loan HK$23.12M · min. income ≈ HK$247,232/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,637,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,991
−HK$7,712/mo
▼ 0.25% · 3.875%
HK$126,816
−HK$3,887/mo
Today · 4.125%
HK$130,703
baseline
▲ 0.50% · 4.625%
HK$138,656
+HK$7,953/mo
Deposit HK$11.56M · loan HK$26.97M · min. income ≈ HK$261,406/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,637,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,826
−HK$7,392/mo
▼ 0.25% · 3.875%
HK$140,495
−HK$3,723/mo
Today · 4.125%
HK$144,218
baseline
▲ 0.50% · 4.625%
HK$151,820
+HK$7,602/mo
Deposit HK$11.56M · loan HK$26.97M · min. income ≈ HK$288,436/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,637,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,131
−HK$9,916/mo
▼ 0.25% · 3.875%
HK$163,050
−HK$4,997/mo
Today · 4.125%
HK$168,047
baseline
▲ 0.50% · 4.625%
HK$178,272
+HK$10,225/mo
Deposit HK$3.85M · loan HK$34.67M · min. income ≈ HK$336,094/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,637,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,919
−HK$9,504/mo
▼ 0.25% · 3.875%
HK$180,637
−HK$4,786/mo
Today · 4.125%
HK$185,423
baseline
▲ 0.50% · 4.625%
HK$195,197
+HK$9,774/mo
Deposit HK$3.85M · loan HK$34.67M · min. income ≈ HK$370,846/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,637,379 · Scale 2, in force from 26 Feb 2026)