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$87,188
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$89,900
−HK$2,755/mo
Today · 4.125%
HK$92,655
baseline
▲ 0.50% · 4.625%
HK$98,293
+HK$5,638/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$185,310/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,625,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,996
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$99,597
−HK$2,639/mo
Today · 4.125%
HK$102,236
baseline
▲ 0.50% · 4.625%
HK$107,625
+HK$5,389/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$204,472/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,625,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,626
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$107,880
−HK$3,307/mo
Today · 4.125%
HK$111,187
baseline
▲ 0.50% · 4.625%
HK$117,952
+HK$6,765/mo
Deposit HK$15.29M · loan HK$22.94M · min. income ≈ HK$222,374/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,625,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,395
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$119,517
−HK$3,166/mo
Today · 4.125%
HK$122,683
baseline
▲ 0.50% · 4.625%
HK$129,150
+HK$6,467/mo
Deposit HK$15.29M · loan HK$22.94M · min. income ≈ HK$245,366/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,625,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,063
−HK$7,655/mo
▼ 0.25% · 3.875%
HK$125,860
−HK$3,858/mo
Today · 4.125%
HK$129,718
baseline
▲ 0.50% · 4.625%
HK$137,611
+HK$7,893/mo
Deposit HK$11.47M · loan HK$26.77M · min. income ≈ HK$259,436/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,625,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,794
−HK$7,337/mo
▼ 0.25% · 3.875%
HK$139,436
−HK$3,695/mo
Today · 4.125%
HK$143,131
baseline
▲ 0.50% · 4.625%
HK$150,675
+HK$7,544/mo
Deposit HK$11.47M · loan HK$26.77M · min. income ≈ HK$286,262/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,625,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,938
−HK$9,842/mo
▼ 0.25% · 3.875%
HK$161,820
−HK$4,960/mo
Today · 4.125%
HK$166,780
baseline
▲ 0.50% · 4.625%
HK$176,928
+HK$10,148/mo
Deposit HK$3.82M · loan HK$34.41M · min. income ≈ HK$333,560/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,625,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,592
−HK$9,433/mo
▼ 0.25% · 3.875%
HK$179,275
−HK$4,750/mo
Today · 4.125%
HK$184,025
baseline
▲ 0.50% · 4.625%
HK$193,725
+HK$9,700/mo
Deposit HK$3.82M · loan HK$34.41M · min. income ≈ HK$368,050/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,625,032 · Scale 2, in force from 26 Feb 2026)