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$87,684
−HK$5,498/mo
▼ 0.25% · 3.875%
HK$90,411
−HK$2,771/mo
Today · 4.125%
HK$93,182
baseline
▲ 0.50% · 4.625%
HK$98,852
+HK$5,670/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$186,364/mo (50% DSR)
Upfront cash ≈ HK$20.86M (deposit + AVD stamp duty HK$1,634,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,547
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$100,164
−HK$2,654/mo
Today · 4.125%
HK$102,818
baseline
▲ 0.50% · 4.625%
HK$108,237
+HK$5,419/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$205,636/mo (50% DSR)
Upfront cash ≈ HK$20.86M (deposit + AVD stamp duty HK$1,634,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,221
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$108,494
−HK$3,325/mo
Today · 4.125%
HK$111,819
baseline
▲ 0.50% · 4.625%
HK$118,623
+HK$6,804/mo
Deposit HK$15.38M · loan HK$23.07M · min. income ≈ HK$223,638/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,057
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$120,196
−HK$3,185/mo
Today · 4.125%
HK$123,381
baseline
▲ 0.50% · 4.625%
HK$129,885
+HK$6,504/mo
Deposit HK$15.38M · loan HK$23.07M · min. income ≈ HK$246,762/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,757
−HK$7,698/mo
▼ 0.25% · 3.875%
HK$126,576
−HK$3,879/mo
Today · 4.125%
HK$130,455
baseline
▲ 0.50% · 4.625%
HK$138,393
+HK$7,938/mo
Deposit HK$11.54M · loan HK$26.92M · min. income ≈ HK$260,910/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,566
−HK$7,379/mo
▼ 0.25% · 3.875%
HK$140,229
−HK$3,716/mo
Today · 4.125%
HK$143,945
baseline
▲ 0.50% · 4.625%
HK$151,532
+HK$7,587/mo
Deposit HK$11.54M · loan HK$26.92M · min. income ≈ HK$287,890/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,831
−HK$9,897/mo
▼ 0.25% · 3.875%
HK$162,741
−HK$4,987/mo
Today · 4.125%
HK$167,728
baseline
▲ 0.50% · 4.625%
HK$177,934
+HK$10,206/mo
Deposit HK$3.85M · loan HK$34.61M · min. income ≈ HK$335,456/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,585
−HK$9,487/mo
▼ 0.25% · 3.875%
HK$180,295
−HK$4,777/mo
Today · 4.125%
HK$185,072
baseline
▲ 0.50% · 4.625%
HK$194,827
+HK$9,755/mo
Deposit HK$3.85M · loan HK$34.61M · min. income ≈ HK$370,144/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,276 · Scale 2, in force from 26 Feb 2026)