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$87,793
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$90,524
−HK$2,775/mo
Today · 4.125%
HK$93,299
baseline
▲ 0.50% · 4.625%
HK$98,976
+HK$5,677/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$186,598/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,669
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$100,289
−HK$2,657/mo
Today · 4.125%
HK$102,946
baseline
▲ 0.50% · 4.625%
HK$108,373
+HK$5,427/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$205,892/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,352
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$108,629
−HK$3,330/mo
Today · 4.125%
HK$111,959
baseline
▲ 0.50% · 4.625%
HK$118,771
+HK$6,812/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$223,918/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,203
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$120,347
−HK$3,188/mo
Today · 4.125%
HK$123,535
baseline
▲ 0.50% · 4.625%
HK$130,047
+HK$6,512/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$247,070/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,911
−HK$7,707/mo
▼ 0.25% · 3.875%
HK$126,734
−HK$3,884/mo
Today · 4.125%
HK$130,618
baseline
▲ 0.50% · 4.625%
HK$138,566
+HK$7,948/mo
Deposit HK$11.55M · loan HK$26.95M · min. income ≈ HK$261,236/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,737
−HK$7,388/mo
▼ 0.25% · 3.875%
HK$140,404
−HK$3,721/mo
Today · 4.125%
HK$144,125
baseline
▲ 0.50% · 4.625%
HK$151,722
+HK$7,597/mo
Deposit HK$11.55M · loan HK$26.95M · min. income ≈ HK$288,250/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,028
−HK$9,910/mo
▼ 0.25% · 3.875%
HK$162,944
−HK$4,994/mo
Today · 4.125%
HK$167,938
baseline
▲ 0.50% · 4.625%
HK$178,157
+HK$10,219/mo
Deposit HK$3.85M · loan HK$34.65M · min. income ≈ HK$335,876/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,805
−HK$9,498/mo
▼ 0.25% · 3.875%
HK$180,520
−HK$4,783/mo
Today · 4.125%
HK$185,303
baseline
▲ 0.50% · 4.625%
HK$195,071
+HK$9,768/mo
Deposit HK$3.85M · loan HK$34.65M · min. income ≈ HK$370,606/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,317 · Scale 2, in force from 26 Feb 2026)