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$87,516
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$90,238
−HK$2,766/mo
Today · 4.125%
HK$93,004
baseline
▲ 0.50% · 4.625%
HK$98,663
+HK$5,659/mo
Deposit HK$19.19M · loan HK$19.19M · min. income ≈ HK$186,008/mo (50% DSR)
Upfront cash ≈ HK$20.82M (deposit + AVD stamp duty HK$1,631,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,361
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$99,972
−HK$2,649/mo
Today · 4.125%
HK$102,621
baseline
▲ 0.50% · 4.625%
HK$108,030
+HK$5,409/mo
Deposit HK$19.19M · loan HK$19.19M · min. income ≈ HK$205,242/mo (50% DSR)
Upfront cash ≈ HK$20.82M (deposit + AVD stamp duty HK$1,631,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,019
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$108,286
−HK$3,319/mo
Today · 4.125%
HK$111,605
baseline
▲ 0.50% · 4.625%
HK$118,396
+HK$6,791/mo
Deposit HK$15.35M · loan HK$23.03M · min. income ≈ HK$223,210/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,631,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,833
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$119,966
−HK$3,179/mo
Today · 4.125%
HK$123,145
baseline
▲ 0.50% · 4.625%
HK$129,636
+HK$6,491/mo
Deposit HK$15.35M · loan HK$23.03M · min. income ≈ HK$246,290/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,631,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,522
−HK$7,684/mo
▼ 0.25% · 3.875%
HK$126,334
−HK$3,872/mo
Today · 4.125%
HK$130,206
baseline
▲ 0.50% · 4.625%
HK$138,128
+HK$7,922/mo
Deposit HK$11.51M · loan HK$26.87M · min. income ≈ HK$260,412/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,631,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,305
−HK$7,364/mo
▼ 0.25% · 3.875%
HK$139,961
−HK$3,708/mo
Today · 4.125%
HK$143,669
baseline
▲ 0.50% · 4.625%
HK$151,242
+HK$7,573/mo
Deposit HK$11.51M · loan HK$26.87M · min. income ≈ HK$287,338/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,631,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,529
−HK$9,878/mo
▼ 0.25% · 3.875%
HK$162,429
−HK$4,978/mo
Today · 4.125%
HK$167,407
baseline
▲ 0.50% · 4.625%
HK$177,594
+HK$10,187/mo
Deposit HK$3.84M · loan HK$34.54M · min. income ≈ HK$334,814/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,631,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,249
−HK$9,468/mo
▼ 0.25% · 3.875%
HK$179,949
−HK$4,768/mo
Today · 4.125%
HK$184,717
baseline
▲ 0.50% · 4.625%
HK$194,454
+HK$9,737/mo
Deposit HK$3.84M · loan HK$34.54M · min. income ≈ HK$369,434/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,631,146 · Scale 2, in force from 26 Feb 2026)