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$88,019
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$90,757
−HK$2,781/mo
Today · 4.125%
HK$93,538
baseline
▲ 0.50% · 4.625%
HK$99,230
+HK$5,692/mo
Deposit HK$19.30M · loan HK$19.30M · min. income ≈ HK$187,076/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$1,640,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,920
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$100,546
−HK$2,664/mo
Today · 4.125%
HK$103,210
baseline
▲ 0.50% · 4.625%
HK$108,651
+HK$5,441/mo
Deposit HK$19.30M · loan HK$19.30M · min. income ≈ HK$206,420/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$1,640,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,623
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$108,908
−HK$3,338/mo
Today · 4.125%
HK$112,246
baseline
▲ 0.50% · 4.625%
HK$119,076
+HK$6,830/mo
Deposit HK$15.44M · loan HK$23.16M · min. income ≈ HK$224,492/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,640,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,504
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$120,655
−HK$3,197/mo
Today · 4.125%
HK$123,852
baseline
▲ 0.50% · 4.625%
HK$130,381
+HK$6,529/mo
Deposit HK$15.44M · loan HK$23.16M · min. income ≈ HK$247,704/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,640,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,226
−HK$7,728/mo
▼ 0.25% · 3.875%
HK$127,059
−HK$3,895/mo
Today · 4.125%
HK$130,954
baseline
▲ 0.50% · 4.625%
HK$138,922
+HK$7,968/mo
Deposit HK$11.58M · loan HK$27.02M · min. income ≈ HK$261,908/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,640,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,088
−HK$7,406/mo
▼ 0.25% · 3.875%
HK$140,765
−HK$3,729/mo
Today · 4.125%
HK$144,494
baseline
▲ 0.50% · 4.625%
HK$152,111
+HK$7,617/mo
Deposit HK$11.58M · loan HK$27.02M · min. income ≈ HK$288,988/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,640,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,434
−HK$9,935/mo
▼ 0.25% · 3.875%
HK$163,362
−HK$5,007/mo
Today · 4.125%
HK$168,369
baseline
▲ 0.50% · 4.625%
HK$178,614
+HK$10,245/mo
Deposit HK$3.86M · loan HK$34.74M · min. income ≈ HK$336,738/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,640,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,256
−HK$9,523/mo
▼ 0.25% · 3.875%
HK$180,983
−HK$4,796/mo
Today · 4.125%
HK$185,779
baseline
▲ 0.50% · 4.625%
HK$195,571
+HK$9,792/mo
Deposit HK$3.86M · loan HK$34.74M · min. income ≈ HK$371,558/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,640,517 · Scale 2, in force from 26 Feb 2026)