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$87,849
−HK$5,509/mo
▼ 0.25% · 3.875%
HK$90,582
−HK$2,776/mo
Today · 4.125%
HK$93,358
baseline
▲ 0.50% · 4.625%
HK$99,039
+HK$5,681/mo
Deposit HK$19.26M · loan HK$19.26M · min. income ≈ HK$186,716/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$1,637,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,731
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$100,352
−HK$2,659/mo
Today · 4.125%
HK$103,011
baseline
▲ 0.50% · 4.625%
HK$108,441
+HK$5,430/mo
Deposit HK$19.26M · loan HK$19.26M · min. income ≈ HK$206,022/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$1,637,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,419
−HK$6,611/mo
▼ 0.25% · 3.875%
HK$108,698
−HK$3,332/mo
Today · 4.125%
HK$112,030
baseline
▲ 0.50% · 4.625%
HK$118,847
+HK$6,817/mo
Deposit HK$15.41M · loan HK$23.12M · min. income ≈ HK$224,060/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,637,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,278
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$120,423
−HK$3,191/mo
Today · 4.125%
HK$123,614
baseline
▲ 0.50% · 4.625%
HK$130,130
+HK$6,516/mo
Deposit HK$15.41M · loan HK$23.12M · min. income ≈ HK$247,228/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,637,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,989
−HK$7,712/mo
▼ 0.25% · 3.875%
HK$126,815
−HK$3,886/mo
Today · 4.125%
HK$130,701
baseline
▲ 0.50% · 4.625%
HK$138,654
+HK$7,953/mo
Deposit HK$11.56M · loan HK$26.97M · min. income ≈ HK$261,402/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,637,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,824
−HK$7,392/mo
▼ 0.25% · 3.875%
HK$140,493
−HK$3,723/mo
Today · 4.125%
HK$144,216
baseline
▲ 0.50% · 4.625%
HK$151,818
+HK$7,602/mo
Deposit HK$11.56M · loan HK$26.97M · min. income ≈ HK$288,432/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,637,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,129
−HK$9,916/mo
▼ 0.25% · 3.875%
HK$163,047
−HK$4,998/mo
Today · 4.125%
HK$168,045
baseline
▲ 0.50% · 4.625%
HK$178,270
+HK$10,225/mo
Deposit HK$3.85M · loan HK$34.67M · min. income ≈ HK$336,090/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,637,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,916
−HK$9,505/mo
▼ 0.25% · 3.875%
HK$180,634
−HK$4,787/mo
Today · 4.125%
HK$185,421
baseline
▲ 0.50% · 4.625%
HK$195,194
+HK$9,773/mo
Deposit HK$3.85M · loan HK$34.67M · min. income ≈ HK$370,842/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,637,357 · Scale 2, in force from 26 Feb 2026)