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$87,982
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$90,719
−HK$2,780/mo
Today · 4.125%
HK$93,499
baseline
▲ 0.50% · 4.625%
HK$99,188
+HK$5,689/mo
Deposit HK$19.29M · loan HK$19.29M · min. income ≈ HK$186,998/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$1,639,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,879
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$100,504
−HK$2,663/mo
Today · 4.125%
HK$103,167
baseline
▲ 0.50% · 4.625%
HK$108,605
+HK$5,438/mo
Deposit HK$19.29M · loan HK$19.29M · min. income ≈ HK$206,334/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$1,639,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,578
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$108,862
−HK$3,337/mo
Today · 4.125%
HK$112,199
baseline
▲ 0.50% · 4.625%
HK$119,026
+HK$6,827/mo
Deposit HK$15.43M · loan HK$23.15M · min. income ≈ HK$224,398/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,639,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,455
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$120,605
−HK$3,196/mo
Today · 4.125%
HK$123,801
baseline
▲ 0.50% · 4.625%
HK$130,326
+HK$6,525/mo
Deposit HK$15.43M · loan HK$23.15M · min. income ≈ HK$247,602/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,639,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,175
−HK$7,724/mo
▼ 0.25% · 3.875%
HK$127,006
−HK$3,893/mo
Today · 4.125%
HK$130,899
baseline
▲ 0.50% · 4.625%
HK$138,864
+HK$7,965/mo
Deposit HK$11.58M · loan HK$27.01M · min. income ≈ HK$261,798/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,639,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,031
−HK$7,403/mo
▼ 0.25% · 3.875%
HK$140,706
−HK$3,728/mo
Today · 4.125%
HK$144,434
baseline
▲ 0.50% · 4.625%
HK$152,047
+HK$7,613/mo
Deposit HK$11.58M · loan HK$27.01M · min. income ≈ HK$288,868/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,639,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,368
−HK$9,931/mo
▼ 0.25% · 3.875%
HK$163,294
−HK$5,005/mo
Today · 4.125%
HK$168,299
baseline
▲ 0.50% · 4.625%
HK$178,539
+HK$10,240/mo
Deposit HK$3.86M · loan HK$34.73M · min. income ≈ HK$336,598/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,639,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,182
−HK$9,519/mo
▼ 0.25% · 3.875%
HK$180,907
−HK$4,794/mo
Today · 4.125%
HK$185,701
baseline
▲ 0.50% · 4.625%
HK$195,489
+HK$9,788/mo
Deposit HK$3.86M · loan HK$34.73M · min. income ≈ HK$371,402/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,639,831 · Scale 2, in force from 26 Feb 2026)