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$87,777
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$90,508
−HK$2,774/mo
Today · 4.125%
HK$93,282
baseline
▲ 0.50% · 4.625%
HK$98,958
+HK$5,676/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$186,564/mo (50% DSR)
Upfront cash ≈ HK$20.88M (deposit + AVD stamp duty HK$1,636,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,651
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$100,270
−HK$2,657/mo
Today · 4.125%
HK$102,927
baseline
▲ 0.50% · 4.625%
HK$108,353
+HK$5,426/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$205,854/mo (50% DSR)
Upfront cash ≈ HK$20.88M (deposit + AVD stamp duty HK$1,636,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,333
−HK$6,605/mo
▼ 0.25% · 3.875%
HK$108,609
−HK$3,329/mo
Today · 4.125%
HK$111,938
baseline
▲ 0.50% · 4.625%
HK$118,749
+HK$6,811/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$223,876/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,636,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,182
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$120,324
−HK$3,189/mo
Today · 4.125%
HK$123,513
baseline
▲ 0.50% · 4.625%
HK$130,023
+HK$6,510/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$247,026/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,636,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,888
−HK$7,706/mo
▼ 0.25% · 3.875%
HK$126,711
−HK$3,883/mo
Today · 4.125%
HK$130,594
baseline
▲ 0.50% · 4.625%
HK$138,541
+HK$7,947/mo
Deposit HK$11.55M · loan HK$26.95M · min. income ≈ HK$261,188/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,636,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,712
−HK$7,386/mo
▼ 0.25% · 3.875%
HK$140,379
−HK$3,719/mo
Today · 4.125%
HK$144,098
baseline
▲ 0.50% · 4.625%
HK$151,694
+HK$7,596/mo
Deposit HK$11.55M · loan HK$26.95M · min. income ≈ HK$288,196/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,636,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,999
−HK$9,908/mo
▼ 0.25% · 3.875%
HK$162,914
−HK$4,993/mo
Today · 4.125%
HK$167,907
baseline
▲ 0.50% · 4.625%
HK$178,124
+HK$10,217/mo
Deposit HK$3.85M · loan HK$34.65M · min. income ≈ HK$335,814/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,773
−HK$9,496/mo
▼ 0.25% · 3.875%
HK$180,487
−HK$4,782/mo
Today · 4.125%
HK$185,269
baseline
▲ 0.50% · 4.625%
HK$195,035
+HK$9,766/mo
Deposit HK$3.85M · loan HK$34.65M · min. income ≈ HK$370,538/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,017 · Scale 2, in force from 26 Feb 2026)