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$87,574
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$90,298
−HK$2,767/mo
Today · 4.125%
HK$93,065
baseline
▲ 0.50% · 4.625%
HK$98,728
+HK$5,663/mo
Deposit HK$19.20M · loan HK$19.20M · min. income ≈ HK$186,130/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$1,632,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,425
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$100,038
−HK$2,650/mo
Today · 4.125%
HK$102,688
baseline
▲ 0.50% · 4.625%
HK$108,101
+HK$5,413/mo
Deposit HK$19.20M · loan HK$19.20M · min. income ≈ HK$205,376/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$1,632,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,088
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$108,357
−HK$3,321/mo
Today · 4.125%
HK$111,678
baseline
▲ 0.50% · 4.625%
HK$118,474
+HK$6,796/mo
Deposit HK$15.36M · loan HK$23.04M · min. income ≈ HK$223,356/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,632,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,910
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$120,045
−HK$3,181/mo
Today · 4.125%
HK$123,226
baseline
▲ 0.50% · 4.625%
HK$129,721
+HK$6,495/mo
Deposit HK$15.36M · loan HK$23.04M · min. income ≈ HK$246,452/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,632,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,603
−HK$7,688/mo
▼ 0.25% · 3.875%
HK$126,417
−HK$3,874/mo
Today · 4.125%
HK$130,291
baseline
▲ 0.50% · 4.625%
HK$138,219
+HK$7,928/mo
Deposit HK$11.52M · loan HK$26.88M · min. income ≈ HK$260,582/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,632,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,395
−HK$7,369/mo
▼ 0.25% · 3.875%
HK$140,053
−HK$3,711/mo
Today · 4.125%
HK$143,764
baseline
▲ 0.50% · 4.625%
HK$151,342
+HK$7,578/mo
Deposit HK$11.52M · loan HK$26.88M · min. income ≈ HK$287,528/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,632,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,633
−HK$9,884/mo
▼ 0.25% · 3.875%
HK$162,536
−HK$4,981/mo
Today · 4.125%
HK$167,517
baseline
▲ 0.50% · 4.625%
HK$177,711
+HK$10,194/mo
Deposit HK$3.84M · loan HK$34.56M · min. income ≈ HK$335,034/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,632,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,365
−HK$9,474/mo
▼ 0.25% · 3.875%
HK$180,068
−HK$4,771/mo
Today · 4.125%
HK$184,839
baseline
▲ 0.50% · 4.625%
HK$194,582
+HK$9,743/mo
Deposit HK$3.84M · loan HK$34.56M · min. income ≈ HK$369,678/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,632,220 · Scale 2, in force from 26 Feb 2026)