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$87,311
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$90,027
−HK$2,760/mo
Today · 4.125%
HK$92,787
baseline
▲ 0.50% · 4.625%
HK$98,432
+HK$5,645/mo
Deposit HK$19.15M · loan HK$19.15M · min. income ≈ HK$185,574/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,627,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,133
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$99,738
−HK$2,643/mo
Today · 4.125%
HK$102,381
baseline
▲ 0.50% · 4.625%
HK$107,777
+HK$5,396/mo
Deposit HK$19.15M · loan HK$19.15M · min. income ≈ HK$204,762/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,627,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,774
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$108,033
−HK$3,311/mo
Today · 4.125%
HK$111,344
baseline
▲ 0.50% · 4.625%
HK$118,119
+HK$6,775/mo
Deposit HK$15.32M · loan HK$22.97M · min. income ≈ HK$222,688/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,627,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,560
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$119,686
−HK$3,171/mo
Today · 4.125%
HK$122,857
baseline
▲ 0.50% · 4.625%
HK$129,333
+HK$6,476/mo
Deposit HK$15.32M · loan HK$22.97M · min. income ≈ HK$245,714/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,627,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,236
−HK$7,665/mo
▼ 0.25% · 3.875%
HK$126,038
−HK$3,863/mo
Today · 4.125%
HK$129,901
baseline
▲ 0.50% · 4.625%
HK$137,805
+HK$7,904/mo
Deposit HK$11.49M · loan HK$26.80M · min. income ≈ HK$259,802/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,627,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,986
−HK$7,347/mo
▼ 0.25% · 3.875%
HK$139,633
−HK$3,700/mo
Today · 4.125%
HK$143,333
baseline
▲ 0.50% · 4.625%
HK$150,888
+HK$7,555/mo
Deposit HK$11.49M · loan HK$26.80M · min. income ≈ HK$286,666/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,627,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,160
−HK$9,856/mo
▼ 0.25% · 3.875%
HK$162,049
−HK$4,967/mo
Today · 4.125%
HK$167,016
baseline
▲ 0.50% · 4.625%
HK$177,178
+HK$10,162/mo
Deposit HK$3.83M · loan HK$34.46M · min. income ≈ HK$334,032/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,627,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,839
−HK$9,446/mo
▼ 0.25% · 3.875%
HK$179,529
−HK$4,756/mo
Today · 4.125%
HK$184,285
baseline
▲ 0.50% · 4.625%
HK$193,999
+HK$9,714/mo
Deposit HK$3.83M · loan HK$34.46M · min. income ≈ HK$368,570/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,627,332 · Scale 2, in force from 26 Feb 2026)