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$87,719
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$90,448
−HK$2,772/mo
Today · 4.125%
HK$93,220
baseline
▲ 0.50% · 4.625%
HK$98,892
+HK$5,672/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$186,440/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,634,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,587
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$100,204
−HK$2,655/mo
Today · 4.125%
HK$102,859
baseline
▲ 0.50% · 4.625%
HK$108,281
+HK$5,422/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$205,718/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,634,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,263
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$108,537
−HK$3,327/mo
Today · 4.125%
HK$111,864
baseline
▲ 0.50% · 4.625%
HK$118,670
+HK$6,806/mo
Deposit HK$15.39M · loan HK$23.08M · min. income ≈ HK$223,728/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,104
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$120,245
−HK$3,186/mo
Today · 4.125%
HK$123,431
baseline
▲ 0.50% · 4.625%
HK$129,937
+HK$6,506/mo
Deposit HK$15.39M · loan HK$23.08M · min. income ≈ HK$246,862/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,807
−HK$7,701/mo
▼ 0.25% · 3.875%
HK$126,627
−HK$3,881/mo
Today · 4.125%
HK$130,508
baseline
▲ 0.50% · 4.625%
HK$138,449
+HK$7,941/mo
Deposit HK$11.54M · loan HK$26.93M · min. income ≈ HK$261,016/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,634,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,621
−HK$7,381/mo
▼ 0.25% · 3.875%
HK$140,285
−HK$3,717/mo
Today · 4.125%
HK$144,002
baseline
▲ 0.50% · 4.625%
HK$151,593
+HK$7,591/mo
Deposit HK$11.54M · loan HK$26.93M · min. income ≈ HK$288,004/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,634,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,894
−HK$9,902/mo
▼ 0.25% · 3.875%
HK$162,806
−HK$4,990/mo
Today · 4.125%
HK$167,796
baseline
▲ 0.50% · 4.625%
HK$178,006
+HK$10,210/mo
Deposit HK$3.85M · loan HK$34.62M · min. income ≈ HK$335,592/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,656
−HK$9,490/mo
▼ 0.25% · 3.875%
HK$180,367
−HK$4,779/mo
Today · 4.125%
HK$185,146
baseline
▲ 0.50% · 4.625%
HK$194,905
+HK$9,759/mo
Deposit HK$3.85M · loan HK$34.62M · min. income ≈ HK$370,292/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,931 · Scale 2, in force from 26 Feb 2026)