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$87,630
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$90,355
−HK$2,770/mo
Today · 4.125%
HK$93,125
baseline
▲ 0.50% · 4.625%
HK$98,791
+HK$5,666/mo
Deposit HK$19.21M · loan HK$19.21M · min. income ≈ HK$186,250/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$1,633,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,487
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$100,102
−HK$2,652/mo
Today · 4.125%
HK$102,754
baseline
▲ 0.50% · 4.625%
HK$108,170
+HK$5,416/mo
Deposit HK$19.21M · loan HK$19.21M · min. income ≈ HK$205,508/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$1,633,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,155
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$108,426
−HK$3,324/mo
Today · 4.125%
HK$111,750
baseline
▲ 0.50% · 4.625%
HK$118,549
+HK$6,799/mo
Deposit HK$15.37M · loan HK$23.06M · min. income ≈ HK$223,500/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,633,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,984
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$120,122
−HK$3,183/mo
Today · 4.125%
HK$123,305
baseline
▲ 0.50% · 4.625%
HK$129,804
+HK$6,499/mo
Deposit HK$15.37M · loan HK$23.06M · min. income ≈ HK$246,610/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,633,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,681
−HK$7,694/mo
▼ 0.25% · 3.875%
HK$126,497
−HK$3,878/mo
Today · 4.125%
HK$130,375
baseline
▲ 0.50% · 4.625%
HK$138,308
+HK$7,933/mo
Deposit HK$11.53M · loan HK$26.90M · min. income ≈ HK$260,750/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,633,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,482
−HK$7,373/mo
▼ 0.25% · 3.875%
HK$140,142
−HK$3,713/mo
Today · 4.125%
HK$143,855
baseline
▲ 0.50% · 4.625%
HK$151,438
+HK$7,583/mo
Deposit HK$11.53M · loan HK$26.90M · min. income ≈ HK$287,710/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,633,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,733
−HK$9,891/mo
▼ 0.25% · 3.875%
HK$162,640
−HK$4,984/mo
Today · 4.125%
HK$167,624
baseline
▲ 0.50% · 4.625%
HK$177,824
+HK$10,200/mo
Deposit HK$3.84M · loan HK$34.59M · min. income ≈ HK$335,248/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,633,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,477
−HK$9,480/mo
▼ 0.25% · 3.875%
HK$180,183
−HK$4,774/mo
Today · 4.125%
HK$184,957
baseline
▲ 0.50% · 4.625%
HK$194,706
+HK$9,749/mo
Deposit HK$3.84M · loan HK$34.59M · min. income ≈ HK$369,914/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,633,262 · Scale 2, in force from 26 Feb 2026)