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$87,801
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$90,532
−HK$2,774/mo
Today · 4.125%
HK$93,306
baseline
▲ 0.50% · 4.625%
HK$98,984
+HK$5,678/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$186,612/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,677
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$100,297
−HK$2,657/mo
Today · 4.125%
HK$102,954
baseline
▲ 0.50% · 4.625%
HK$108,381
+HK$5,427/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$205,908/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,361
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$108,638
−HK$3,330/mo
Today · 4.125%
HK$111,968
baseline
▲ 0.50% · 4.625%
HK$118,781
+HK$6,813/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$223,936/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,213
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$120,356
−HK$3,189/mo
Today · 4.125%
HK$123,545
baseline
▲ 0.50% · 4.625%
HK$130,058
+HK$6,513/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$247,090/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,921
−HK$7,708/mo
▼ 0.25% · 3.875%
HK$126,744
−HK$3,885/mo
Today · 4.125%
HK$130,629
baseline
▲ 0.50% · 4.625%
HK$138,577
+HK$7,948/mo
Deposit HK$11.55M · loan HK$26.95M · min. income ≈ HK$261,258/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,748
−HK$7,388/mo
▼ 0.25% · 3.875%
HK$140,416
−HK$3,720/mo
Today · 4.125%
HK$144,136
baseline
▲ 0.50% · 4.625%
HK$151,734
+HK$7,598/mo
Deposit HK$11.55M · loan HK$26.95M · min. income ≈ HK$288,272/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,041
−HK$9,911/mo
▼ 0.25% · 3.875%
HK$162,957
−HK$4,995/mo
Today · 4.125%
HK$167,952
baseline
▲ 0.50% · 4.625%
HK$178,171
+HK$10,219/mo
Deposit HK$3.85M · loan HK$34.65M · min. income ≈ HK$335,904/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,819
−HK$9,499/mo
▼ 0.25% · 3.875%
HK$180,534
−HK$4,784/mo
Today · 4.125%
HK$185,318
baseline
▲ 0.50% · 4.625%
HK$195,086
+HK$9,768/mo
Deposit HK$3.85M · loan HK$34.65M · min. income ≈ HK$370,636/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,450 · Scale 2, in force from 26 Feb 2026)