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$87,294
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$90,010
−HK$2,759/mo
Today · 4.125%
HK$92,769
baseline
▲ 0.50% · 4.625%
HK$98,413
+HK$5,644/mo
Deposit HK$19.14M · loan HK$19.14M · min. income ≈ HK$185,538/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,627,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,114
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$99,719
−HK$2,642/mo
Today · 4.125%
HK$102,361
baseline
▲ 0.50% · 4.625%
HK$107,757
+HK$5,396/mo
Deposit HK$19.14M · loan HK$19.14M · min. income ≈ HK$204,722/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,627,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,753
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$108,012
−HK$3,310/mo
Today · 4.125%
HK$111,322
baseline
▲ 0.50% · 4.625%
HK$118,096
+HK$6,774/mo
Deposit HK$15.31M · loan HK$22.97M · min. income ≈ HK$222,644/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,627,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,537
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$119,663
−HK$3,170/mo
Today · 4.125%
HK$122,833
baseline
▲ 0.50% · 4.625%
HK$129,308
+HK$6,475/mo
Deposit HK$15.31M · loan HK$22.97M · min. income ≈ HK$245,666/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,627,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,212
−HK$7,664/mo
▼ 0.25% · 3.875%
HK$126,014
−HK$3,862/mo
Today · 4.125%
HK$129,876
baseline
▲ 0.50% · 4.625%
HK$137,779
+HK$7,903/mo
Deposit HK$11.48M · loan HK$26.80M · min. income ≈ HK$259,752/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,627,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,960
−HK$7,345/mo
▼ 0.25% · 3.875%
HK$139,606
−HK$3,699/mo
Today · 4.125%
HK$143,305
baseline
▲ 0.50% · 4.625%
HK$150,859
+HK$7,554/mo
Deposit HK$11.48M · loan HK$26.80M · min. income ≈ HK$286,610/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,627,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,130
−HK$9,853/mo
▼ 0.25% · 3.875%
HK$162,018
−HK$4,965/mo
Today · 4.125%
HK$166,983
baseline
▲ 0.50% · 4.625%
HK$177,144
+HK$10,161/mo
Deposit HK$3.83M · loan HK$34.45M · min. income ≈ HK$333,966/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,627,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,806
−HK$9,444/mo
▼ 0.25% · 3.875%
HK$179,494
−HK$4,756/mo
Today · 4.125%
HK$184,250
baseline
▲ 0.50% · 4.625%
HK$193,962
+HK$9,712/mo
Deposit HK$3.83M · loan HK$34.45M · min. income ≈ HK$368,500/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,627,017 · Scale 2, in force from 26 Feb 2026)