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$87,410
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$90,128
−HK$2,763/mo
Today · 4.125%
HK$92,891
baseline
▲ 0.50% · 4.625%
HK$98,543
+HK$5,652/mo
Deposit HK$19.17M · loan HK$19.17M · min. income ≈ HK$185,782/mo (50% DSR)
Upfront cash ≈ HK$20.80M (deposit + AVD stamp duty HK$1,629,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,242
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$99,850
−HK$2,646/mo
Today · 4.125%
HK$102,496
baseline
▲ 0.50% · 4.625%
HK$107,899
+HK$5,403/mo
Deposit HK$19.17M · loan HK$19.17M · min. income ≈ HK$204,992/mo (50% DSR)
Upfront cash ≈ HK$20.80M (deposit + AVD stamp duty HK$1,629,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,891
−HK$6,578/mo
▼ 0.25% · 3.875%
HK$108,154
−HK$3,315/mo
Today · 4.125%
HK$111,469
baseline
▲ 0.50% · 4.625%
HK$118,252
+HK$6,783/mo
Deposit HK$15.33M · loan HK$23.00M · min. income ≈ HK$222,938/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,629,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,691
−HK$6,304/mo
▼ 0.25% · 3.875%
HK$119,820
−HK$3,175/mo
Today · 4.125%
HK$122,995
baseline
▲ 0.50% · 4.625%
HK$129,478
+HK$6,483/mo
Deposit HK$15.33M · loan HK$23.00M · min. income ≈ HK$245,990/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,629,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,373
−HK$7,674/mo
▼ 0.25% · 3.875%
HK$126,180
−HK$3,867/mo
Today · 4.125%
HK$130,047
baseline
▲ 0.50% · 4.625%
HK$137,960
+HK$7,913/mo
Deposit HK$11.50M · loan HK$26.83M · min. income ≈ HK$260,094/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,629,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,139
−HK$7,355/mo
▼ 0.25% · 3.875%
HK$139,790
−HK$3,704/mo
Today · 4.125%
HK$143,494
baseline
▲ 0.50% · 4.625%
HK$151,058
+HK$7,564/mo
Deposit HK$11.50M · loan HK$26.83M · min. income ≈ HK$286,988/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,629,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,337
−HK$9,867/mo
▼ 0.25% · 3.875%
HK$162,231
−HK$4,973/mo
Today · 4.125%
HK$167,204
baseline
▲ 0.50% · 4.625%
HK$177,378
+HK$10,174/mo
Deposit HK$3.83M · loan HK$34.50M · min. income ≈ HK$334,408/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,629,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,036
−HK$9,457/mo
▼ 0.25% · 3.875%
HK$179,730
−HK$4,763/mo
Today · 4.125%
HK$184,493
baseline
▲ 0.50% · 4.625%
HK$194,218
+HK$9,725/mo
Deposit HK$3.83M · loan HK$34.50M · min. income ≈ HK$368,986/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,629,162 · Scale 2, in force from 26 Feb 2026)