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$87,356
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$90,073
−HK$2,761/mo
Today · 4.125%
HK$92,834
baseline
▲ 0.50% · 4.625%
HK$98,482
+HK$5,648/mo
Deposit HK$19.15M · loan HK$19.15M · min. income ≈ HK$185,668/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,628,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,182
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$99,789
−HK$2,644/mo
Today · 4.125%
HK$102,433
baseline
▲ 0.50% · 4.625%
HK$107,832
+HK$5,399/mo
Deposit HK$19.15M · loan HK$19.15M · min. income ≈ HK$204,866/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,628,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,827
−HK$6,573/mo
▼ 0.25% · 3.875%
HK$108,087
−HK$3,313/mo
Today · 4.125%
HK$111,400
baseline
▲ 0.50% · 4.625%
HK$118,179
+HK$6,779/mo
Deposit HK$15.32M · loan HK$22.99M · min. income ≈ HK$222,800/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,628,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,619
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$119,746
−HK$3,173/mo
Today · 4.125%
HK$122,919
baseline
▲ 0.50% · 4.625%
HK$129,398
+HK$6,479/mo
Deposit HK$15.32M · loan HK$22.99M · min. income ≈ HK$245,838/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,628,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,298
−HK$7,669/mo
▼ 0.25% · 3.875%
HK$126,102
−HK$3,865/mo
Today · 4.125%
HK$129,967
baseline
▲ 0.50% · 4.625%
HK$137,875
+HK$7,908/mo
Deposit HK$11.49M · loan HK$26.82M · min. income ≈ HK$259,934/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,628,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,055
−HK$7,351/mo
▼ 0.25% · 3.875%
HK$139,704
−HK$3,702/mo
Today · 4.125%
HK$143,406
baseline
▲ 0.50% · 4.625%
HK$150,965
+HK$7,559/mo
Deposit HK$11.49M · loan HK$26.82M · min. income ≈ HK$286,812/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,628,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,240
−HK$9,860/mo
▼ 0.25% · 3.875%
HK$162,131
−HK$4,969/mo
Today · 4.125%
HK$167,100
baseline
▲ 0.50% · 4.625%
HK$177,268
+HK$10,168/mo
Deposit HK$3.83M · loan HK$34.48M · min. income ≈ HK$334,200/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,628,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,928
−HK$9,451/mo
▼ 0.25% · 3.875%
HK$179,619
−HK$4,760/mo
Today · 4.125%
HK$184,379
baseline
▲ 0.50% · 4.625%
HK$194,098
+HK$9,719/mo
Deposit HK$3.83M · loan HK$34.48M · min. income ≈ HK$368,758/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,628,156 · Scale 2, in force from 26 Feb 2026)