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$87,379
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$90,097
−HK$2,762/mo
Today · 4.125%
HK$92,859
baseline
▲ 0.50% · 4.625%
HK$98,509
+HK$5,650/mo
Deposit HK$19.16M · loan HK$19.16M · min. income ≈ HK$185,718/mo (50% DSR)
Upfront cash ≈ HK$20.79M (deposit + AVD stamp duty HK$1,628,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,209
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$99,816
−HK$2,645/mo
Today · 4.125%
HK$102,461
baseline
▲ 0.50% · 4.625%
HK$107,861
+HK$5,400/mo
Deposit HK$19.16M · loan HK$19.16M · min. income ≈ HK$204,922/mo (50% DSR)
Upfront cash ≈ HK$20.79M (deposit + AVD stamp duty HK$1,628,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,855
−HK$6,576/mo
▼ 0.25% · 3.875%
HK$108,117
−HK$3,314/mo
Today · 4.125%
HK$111,431
baseline
▲ 0.50% · 4.625%
HK$118,211
+HK$6,780/mo
Deposit HK$15.33M · loan HK$22.99M · min. income ≈ HK$222,862/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,628,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,650
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$119,779
−HK$3,174/mo
Today · 4.125%
HK$122,953
baseline
▲ 0.50% · 4.625%
HK$129,434
+HK$6,481/mo
Deposit HK$15.33M · loan HK$22.99M · min. income ≈ HK$245,906/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,628,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,331
−HK$7,671/mo
▼ 0.25% · 3.875%
HK$126,136
−HK$3,866/mo
Today · 4.125%
HK$130,002
baseline
▲ 0.50% · 4.625%
HK$137,913
+HK$7,911/mo
Deposit HK$11.50M · loan HK$26.82M · min. income ≈ HK$260,004/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,628,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,092
−HK$7,353/mo
▼ 0.25% · 3.875%
HK$139,742
−HK$3,703/mo
Today · 4.125%
HK$143,445
baseline
▲ 0.50% · 4.625%
HK$151,006
+HK$7,561/mo
Deposit HK$11.50M · loan HK$26.82M · min. income ≈ HK$286,890/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,628,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,283
−HK$9,863/mo
▼ 0.25% · 3.875%
HK$162,175
−HK$4,971/mo
Today · 4.125%
HK$167,146
baseline
▲ 0.50% · 4.625%
HK$177,316
+HK$10,170/mo
Deposit HK$3.83M · loan HK$34.49M · min. income ≈ HK$334,292/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,628,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,976
−HK$9,453/mo
▼ 0.25% · 3.875%
HK$179,668
−HK$4,761/mo
Today · 4.125%
HK$184,429
baseline
▲ 0.50% · 4.625%
HK$194,151
+HK$9,722/mo
Deposit HK$3.83M · loan HK$34.49M · min. income ≈ HK$368,858/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,628,600 · Scale 2, in force from 26 Feb 2026)