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$86,813
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$89,514
−HK$2,743/mo
Today · 4.125%
HK$92,257
baseline
▲ 0.50% · 4.625%
HK$97,871
+HK$5,614/mo
Deposit HK$19.04M · loan HK$19.04M · min. income ≈ HK$184,514/mo (50% DSR)
Upfront cash ≈ HK$20.65M (deposit + AVD stamp duty HK$1,618,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,579
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$99,169
−HK$2,628/mo
Today · 4.125%
HK$101,797
baseline
▲ 0.50% · 4.625%
HK$107,163
+HK$5,366/mo
Deposit HK$19.04M · loan HK$19.04M · min. income ≈ HK$203,594/mo (50% DSR)
Upfront cash ≈ HK$20.65M (deposit + AVD stamp duty HK$1,618,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,176
−HK$6,533/mo
▼ 0.25% · 3.875%
HK$107,416
−HK$3,293/mo
Today · 4.125%
HK$110,709
baseline
▲ 0.50% · 4.625%
HK$117,445
+HK$6,736/mo
Deposit HK$15.23M · loan HK$22.84M · min. income ≈ HK$221,418/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,618,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,895
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$119,003
−HK$3,153/mo
Today · 4.125%
HK$122,156
baseline
▲ 0.50% · 4.625%
HK$128,595
+HK$6,439/mo
Deposit HK$15.23M · loan HK$22.84M · min. income ≈ HK$244,312/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,618,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,539
−HK$7,621/mo
▼ 0.25% · 3.875%
HK$125,319
−HK$3,841/mo
Today · 4.125%
HK$129,160
baseline
▲ 0.50% · 4.625%
HK$137,019
+HK$7,859/mo
Deposit HK$11.42M · loan HK$26.65M · min. income ≈ HK$258,320/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,618,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,210
−HK$7,305/mo
▼ 0.25% · 3.875%
HK$138,837
−HK$3,678/mo
Today · 4.125%
HK$142,515
baseline
▲ 0.50% · 4.625%
HK$150,028
+HK$7,513/mo
Deposit HK$11.42M · loan HK$26.65M · min. income ≈ HK$285,030/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,618,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,264
−HK$9,799/mo
▼ 0.25% · 3.875%
HK$161,125
−HK$4,938/mo
Today · 4.125%
HK$166,063
baseline
▲ 0.50% · 4.625%
HK$176,168
+HK$10,105/mo
Deposit HK$3.81M · loan HK$34.26M · min. income ≈ HK$332,126/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,618,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,842
−HK$9,392/mo
▼ 0.25% · 3.875%
HK$178,504
−HK$4,730/mo
Today · 4.125%
HK$183,234
baseline
▲ 0.50% · 4.625%
HK$192,893
+HK$9,659/mo
Deposit HK$3.81M · loan HK$34.26M · min. income ≈ HK$366,468/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,618,048 · Scale 2, in force from 26 Feb 2026)