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$87,638
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$90,364
−HK$2,770/mo
Today · 4.125%
HK$93,134
baseline
▲ 0.50% · 4.625%
HK$98,801
+HK$5,667/mo
Deposit HK$19.22M · loan HK$19.22M · min. income ≈ HK$186,268/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$1,633,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,497
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$100,111
−HK$2,653/mo
Today · 4.125%
HK$102,764
baseline
▲ 0.50% · 4.625%
HK$108,181
+HK$5,417/mo
Deposit HK$19.22M · loan HK$19.22M · min. income ≈ HK$205,528/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$1,633,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,166
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$108,437
−HK$3,324/mo
Today · 4.125%
HK$111,761
baseline
▲ 0.50% · 4.625%
HK$118,561
+HK$6,800/mo
Deposit HK$15.37M · loan HK$23.06M · min. income ≈ HK$223,522/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,633,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,996
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$120,134
−HK$3,183/mo
Today · 4.125%
HK$123,317
baseline
▲ 0.50% · 4.625%
HK$129,817
+HK$6,500/mo
Deposit HK$15.37M · loan HK$23.06M · min. income ≈ HK$246,634/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,633,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,693
−HK$7,694/mo
▼ 0.25% · 3.875%
HK$126,510
−HK$3,877/mo
Today · 4.125%
HK$130,387
baseline
▲ 0.50% · 4.625%
HK$138,321
+HK$7,934/mo
Deposit HK$11.53M · loan HK$26.90M · min. income ≈ HK$260,774/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,633,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,495
−HK$7,375/mo
▼ 0.25% · 3.875%
HK$140,156
−HK$3,714/mo
Today · 4.125%
HK$143,870
baseline
▲ 0.50% · 4.625%
HK$151,453
+HK$7,583/mo
Deposit HK$11.53M · loan HK$26.90M · min. income ≈ HK$287,740/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,633,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,749
−HK$9,892/mo
▼ 0.25% · 3.875%
HK$162,656
−HK$4,985/mo
Today · 4.125%
HK$167,641
baseline
▲ 0.50% · 4.625%
HK$177,842
+HK$10,201/mo
Deposit HK$3.84M · loan HK$34.59M · min. income ≈ HK$335,282/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,633,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,494
−HK$9,481/mo
▼ 0.25% · 3.875%
HK$180,201
−HK$4,774/mo
Today · 4.125%
HK$184,975
baseline
▲ 0.50% · 4.625%
HK$194,726
+HK$9,751/mo
Deposit HK$3.84M · loan HK$34.59M · min. income ≈ HK$369,950/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,633,424 · Scale 2, in force from 26 Feb 2026)