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$87,317
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$90,033
−HK$2,760/mo
Today · 4.125%
HK$92,793
baseline
▲ 0.50% · 4.625%
HK$98,439
+HK$5,646/mo
Deposit HK$19.15M · loan HK$19.15M · min. income ≈ HK$185,586/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,627,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,139
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$99,744
−HK$2,643/mo
Today · 4.125%
HK$102,387
baseline
▲ 0.50% · 4.625%
HK$107,784
+HK$5,397/mo
Deposit HK$19.15M · loan HK$19.15M · min. income ≈ HK$204,774/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,627,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,780
−HK$6,571/mo
▼ 0.25% · 3.875%
HK$108,040
−HK$3,311/mo
Today · 4.125%
HK$111,351
baseline
▲ 0.50% · 4.625%
HK$118,126
+HK$6,775/mo
Deposit HK$15.32M · loan HK$22.98M · min. income ≈ HK$222,702/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,627,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,567
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$119,693
−HK$3,172/mo
Today · 4.125%
HK$122,865
baseline
▲ 0.50% · 4.625%
HK$129,341
+HK$6,476/mo
Deposit HK$15.32M · loan HK$22.98M · min. income ≈ HK$245,730/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,627,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,244
−HK$7,666/mo
▼ 0.25% · 3.875%
HK$126,046
−HK$3,864/mo
Today · 4.125%
HK$129,910
baseline
▲ 0.50% · 4.625%
HK$137,814
+HK$7,904/mo
Deposit HK$11.49M · loan HK$26.80M · min. income ≈ HK$259,820/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,627,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,995
−HK$7,347/mo
▼ 0.25% · 3.875%
HK$139,642
−HK$3,700/mo
Today · 4.125%
HK$143,342
baseline
▲ 0.50% · 4.625%
HK$150,898
+HK$7,556/mo
Deposit HK$11.49M · loan HK$26.80M · min. income ≈ HK$286,684/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,627,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,171
−HK$9,856/mo
▼ 0.25% · 3.875%
HK$162,059
−HK$4,968/mo
Today · 4.125%
HK$167,027
baseline
▲ 0.50% · 4.625%
HK$177,190
+HK$10,163/mo
Deposit HK$3.83M · loan HK$34.46M · min. income ≈ HK$334,054/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,627,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,851
−HK$9,446/mo
▼ 0.25% · 3.875%
HK$179,540
−HK$4,757/mo
Today · 4.125%
HK$184,297
baseline
▲ 0.50% · 4.625%
HK$194,012
+HK$9,715/mo
Deposit HK$3.83M · loan HK$34.46M · min. income ≈ HK$368,594/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,627,436 · Scale 2, in force from 26 Feb 2026)