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$87,783
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$90,514
−HK$2,774/mo
Today · 4.125%
HK$93,288
baseline
▲ 0.50% · 4.625%
HK$98,964
+HK$5,676/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$186,576/mo (50% DSR)
Upfront cash ≈ HK$20.88M (deposit + AVD stamp duty HK$1,636,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,658
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$100,277
−HK$2,657/mo
Today · 4.125%
HK$102,934
baseline
▲ 0.50% · 4.625%
HK$108,360
+HK$5,426/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$205,868/mo (50% DSR)
Upfront cash ≈ HK$20.88M (deposit + AVD stamp duty HK$1,636,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,340
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$108,617
−HK$3,329/mo
Today · 4.125%
HK$111,946
baseline
▲ 0.50% · 4.625%
HK$118,757
+HK$6,811/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$223,892/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,636,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,190
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$120,333
−HK$3,188/mo
Today · 4.125%
HK$123,521
baseline
▲ 0.50% · 4.625%
HK$130,032
+HK$6,511/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$247,042/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,636,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,897
−HK$7,706/mo
▼ 0.25% · 3.875%
HK$126,719
−HK$3,884/mo
Today · 4.125%
HK$130,603
baseline
▲ 0.50% · 4.625%
HK$138,550
+HK$7,947/mo
Deposit HK$11.55M · loan HK$26.95M · min. income ≈ HK$261,206/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,721
−HK$7,387/mo
▼ 0.25% · 3.875%
HK$140,388
−HK$3,720/mo
Today · 4.125%
HK$144,108
baseline
▲ 0.50% · 4.625%
HK$151,704
+HK$7,596/mo
Deposit HK$11.55M · loan HK$26.95M · min. income ≈ HK$288,216/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,010
−HK$9,909/mo
▼ 0.25% · 3.875%
HK$162,925
−HK$4,994/mo
Today · 4.125%
HK$167,919
baseline
▲ 0.50% · 4.625%
HK$178,136
+HK$10,217/mo
Deposit HK$3.85M · loan HK$34.65M · min. income ≈ HK$335,838/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,785
−HK$9,497/mo
▼ 0.25% · 3.875%
HK$180,499
−HK$4,783/mo
Today · 4.125%
HK$185,282
baseline
▲ 0.50% · 4.625%
HK$195,048
+HK$9,766/mo
Deposit HK$3.85M · loan HK$34.65M · min. income ≈ HK$370,564/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,129 · Scale 2, in force from 26 Feb 2026)