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$87,962
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$90,698
−HK$2,780/mo
Today · 4.125%
HK$93,478
baseline
▲ 0.50% · 4.625%
HK$99,166
+HK$5,688/mo
Deposit HK$19.29M · loan HK$19.29M · min. income ≈ HK$186,956/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$1,639,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,857
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$100,481
−HK$2,663/mo
Today · 4.125%
HK$103,144
baseline
▲ 0.50% · 4.625%
HK$108,581
+HK$5,437/mo
Deposit HK$19.29M · loan HK$19.29M · min. income ≈ HK$206,288/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$1,639,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,554
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$108,838
−HK$3,336/mo
Today · 4.125%
HK$112,174
baseline
▲ 0.50% · 4.625%
HK$118,999
+HK$6,825/mo
Deposit HK$15.43M · loan HK$23.15M · min. income ≈ HK$224,348/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,639,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,428
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$120,578
−HK$3,195/mo
Today · 4.125%
HK$123,773
baseline
▲ 0.50% · 4.625%
HK$130,297
+HK$6,524/mo
Deposit HK$15.43M · loan HK$23.15M · min. income ≈ HK$247,546/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,639,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,147
−HK$7,722/mo
▼ 0.25% · 3.875%
HK$126,977
−HK$3,892/mo
Today · 4.125%
HK$130,869
baseline
▲ 0.50% · 4.625%
HK$138,832
+HK$7,963/mo
Deposit HK$11.57M · loan HK$27.00M · min. income ≈ HK$261,738/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,639,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,000
−HK$7,401/mo
▼ 0.25% · 3.875%
HK$140,674
−HK$3,727/mo
Today · 4.125%
HK$144,401
baseline
▲ 0.50% · 4.625%
HK$152,013
+HK$7,612/mo
Deposit HK$11.57M · loan HK$27.00M · min. income ≈ HK$288,802/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,639,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,332
−HK$9,929/mo
▼ 0.25% · 3.875%
HK$163,257
−HK$5,004/mo
Today · 4.125%
HK$168,261
baseline
▲ 0.50% · 4.625%
HK$178,499
+HK$10,238/mo
Deposit HK$3.86M · loan HK$34.72M · min. income ≈ HK$336,522/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,639,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,142
−HK$9,517/mo
▼ 0.25% · 3.875%
HK$180,867
−HK$4,792/mo
Today · 4.125%
HK$185,659
baseline
▲ 0.50% · 4.625%
HK$195,445
+HK$9,786/mo
Deposit HK$3.86M · loan HK$34.72M · min. income ≈ HK$371,318/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,639,460 · Scale 2, in force from 26 Feb 2026)