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$87,588
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$90,313
−HK$2,768/mo
Today · 4.125%
HK$93,081
baseline
▲ 0.50% · 4.625%
HK$98,744
+HK$5,663/mo
Deposit HK$19.21M · loan HK$19.21M · min. income ≈ HK$186,162/mo (50% DSR)
Upfront cash ≈ HK$20.84M (deposit + AVD stamp duty HK$1,632,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,441
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$100,054
−HK$2,651/mo
Today · 4.125%
HK$102,705
baseline
▲ 0.50% · 4.625%
HK$108,119
+HK$5,414/mo
Deposit HK$19.21M · loan HK$19.21M · min. income ≈ HK$205,410/mo (50% DSR)
Upfront cash ≈ HK$20.84M (deposit + AVD stamp duty HK$1,632,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,106
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$108,375
−HK$3,322/mo
Today · 4.125%
HK$111,697
baseline
▲ 0.50% · 4.625%
HK$118,493
+HK$6,796/mo
Deposit HK$15.36M · loan HK$23.05M · min. income ≈ HK$223,394/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,632,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,929
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$120,065
−HK$3,181/mo
Today · 4.125%
HK$123,246
baseline
▲ 0.50% · 4.625%
HK$129,743
+HK$6,497/mo
Deposit HK$15.36M · loan HK$23.05M · min. income ≈ HK$246,492/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,632,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,623
−HK$7,690/mo
▼ 0.25% · 3.875%
HK$126,438
−HK$3,875/mo
Today · 4.125%
HK$130,313
baseline
▲ 0.50% · 4.625%
HK$138,242
+HK$7,929/mo
Deposit HK$11.52M · loan HK$26.89M · min. income ≈ HK$260,626/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,632,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,417
−HK$7,370/mo
▼ 0.25% · 3.875%
HK$140,076
−HK$3,711/mo
Today · 4.125%
HK$143,787
baseline
▲ 0.50% · 4.625%
HK$151,367
+HK$7,580/mo
Deposit HK$11.52M · loan HK$26.89M · min. income ≈ HK$287,574/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,632,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,658
−HK$9,887/mo
▼ 0.25% · 3.875%
HK$162,563
−HK$4,982/mo
Today · 4.125%
HK$167,545
baseline
▲ 0.50% · 4.625%
HK$177,740
+HK$10,195/mo
Deposit HK$3.84M · loan HK$34.57M · min. income ≈ HK$335,090/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,632,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,393
−HK$9,476/mo
▼ 0.25% · 3.875%
HK$180,097
−HK$4,772/mo
Today · 4.125%
HK$184,869
baseline
▲ 0.50% · 4.625%
HK$194,614
+HK$9,745/mo
Deposit HK$3.84M · loan HK$34.57M · min. income ≈ HK$369,738/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,632,489 · Scale 2, in force from 26 Feb 2026)