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$86,970
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$89,675
−HK$2,749/mo
Today · 4.125%
HK$92,424
baseline
▲ 0.50% · 4.625%
HK$98,047
+HK$5,623/mo
Deposit HK$19.07M · loan HK$19.07M · min. income ≈ HK$184,848/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$1,620,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,753
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$99,348
−HK$2,632/mo
Today · 4.125%
HK$101,980
baseline
▲ 0.50% · 4.625%
HK$107,356
+HK$5,376/mo
Deposit HK$19.07M · loan HK$19.07M · min. income ≈ HK$203,960/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$1,620,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,364
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$107,610
−HK$3,298/mo
Today · 4.125%
HK$110,908
baseline
▲ 0.50% · 4.625%
HK$117,657
+HK$6,749/mo
Deposit HK$15.26M · loan HK$22.88M · min. income ≈ HK$221,816/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,620,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,104
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$119,218
−HK$3,158/mo
Today · 4.125%
HK$122,376
baseline
▲ 0.50% · 4.625%
HK$128,827
+HK$6,451/mo
Deposit HK$15.26M · loan HK$22.88M · min. income ≈ HK$244,752/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,620,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,758
−HK$7,635/mo
▼ 0.25% · 3.875%
HK$125,545
−HK$3,848/mo
Today · 4.125%
HK$129,393
baseline
▲ 0.50% · 4.625%
HK$137,266
+HK$7,873/mo
Deposit HK$11.44M · loan HK$26.70M · min. income ≈ HK$258,786/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,620,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,454
−HK$7,318/mo
▼ 0.25% · 3.875%
HK$139,087
−HK$3,685/mo
Today · 4.125%
HK$142,772
baseline
▲ 0.50% · 4.625%
HK$150,298
+HK$7,526/mo
Deposit HK$11.44M · loan HK$26.70M · min. income ≈ HK$285,544/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,620,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,546
−HK$9,817/mo
▼ 0.25% · 3.875%
HK$161,415
−HK$4,948/mo
Today · 4.125%
HK$166,363
baseline
▲ 0.50% · 4.625%
HK$176,485
+HK$10,122/mo
Deposit HK$3.81M · loan HK$34.33M · min. income ≈ HK$332,726/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,620,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,156
−HK$9,409/mo
▼ 0.25% · 3.875%
HK$178,826
−HK$4,739/mo
Today · 4.125%
HK$183,565
baseline
▲ 0.50% · 4.625%
HK$193,241
+HK$9,676/mo
Deposit HK$3.81M · loan HK$34.33M · min. income ≈ HK$367,130/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,620,967 · Scale 2, in force from 26 Feb 2026)