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$87,518
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$90,241
−HK$2,766/mo
Today · 4.125%
HK$93,007
baseline
▲ 0.50% · 4.625%
HK$98,666
+HK$5,659/mo
Deposit HK$19.19M · loan HK$19.19M · min. income ≈ HK$186,014/mo (50% DSR)
Upfront cash ≈ HK$20.82M (deposit + AVD stamp duty HK$1,631,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,363
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$99,975
−HK$2,649/mo
Today · 4.125%
HK$102,624
baseline
▲ 0.50% · 4.625%
HK$108,033
+HK$5,409/mo
Deposit HK$19.19M · loan HK$19.19M · min. income ≈ HK$205,248/mo (50% DSR)
Upfront cash ≈ HK$20.82M (deposit + AVD stamp duty HK$1,631,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,022
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$108,289
−HK$3,319/mo
Today · 4.125%
HK$111,608
baseline
▲ 0.50% · 4.625%
HK$118,399
+HK$6,791/mo
Deposit HK$15.35M · loan HK$23.03M · min. income ≈ HK$223,216/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,631,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,836
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$119,970
−HK$3,178/mo
Today · 4.125%
HK$123,148
baseline
▲ 0.50% · 4.625%
HK$129,640
+HK$6,492/mo
Deposit HK$15.35M · loan HK$23.03M · min. income ≈ HK$246,296/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,631,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,526
−HK$7,683/mo
▼ 0.25% · 3.875%
HK$126,337
−HK$3,872/mo
Today · 4.125%
HK$130,209
baseline
▲ 0.50% · 4.625%
HK$138,132
+HK$7,923/mo
Deposit HK$11.51M · loan HK$26.87M · min. income ≈ HK$260,418/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,631,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,309
−HK$7,364/mo
▼ 0.25% · 3.875%
HK$139,965
−HK$3,708/mo
Today · 4.125%
HK$143,673
baseline
▲ 0.50% · 4.625%
HK$151,246
+HK$7,573/mo
Deposit HK$11.51M · loan HK$26.87M · min. income ≈ HK$287,346/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,631,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,533
−HK$9,879/mo
▼ 0.25% · 3.875%
HK$162,433
−HK$4,979/mo
Today · 4.125%
HK$167,412
baseline
▲ 0.50% · 4.625%
HK$177,599
+HK$10,187/mo
Deposit HK$3.84M · loan HK$34.54M · min. income ≈ HK$334,824/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,631,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,254
−HK$9,469/mo
▼ 0.25% · 3.875%
HK$179,954
−HK$4,769/mo
Today · 4.125%
HK$184,723
baseline
▲ 0.50% · 4.625%
HK$194,460
+HK$9,737/mo
Deposit HK$3.84M · loan HK$34.54M · min. income ≈ HK$369,446/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,631,192 · Scale 2, in force from 26 Feb 2026)