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$87,674
−HK$5,498/mo
▼ 0.25% · 3.875%
HK$90,401
−HK$2,771/mo
Today · 4.125%
HK$93,172
baseline
▲ 0.50% · 4.625%
HK$98,841
+HK$5,669/mo
Deposit HK$19.22M · loan HK$19.22M · min. income ≈ HK$186,344/mo (50% DSR)
Upfront cash ≈ HK$20.86M (deposit + AVD stamp duty HK$1,634,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,537
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$100,152
−HK$2,654/mo
Today · 4.125%
HK$102,806
baseline
▲ 0.50% · 4.625%
HK$108,225
+HK$5,419/mo
Deposit HK$19.22M · loan HK$19.22M · min. income ≈ HK$205,612/mo (50% DSR)
Upfront cash ≈ HK$20.86M (deposit + AVD stamp duty HK$1,634,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,209
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$108,482
−HK$3,325/mo
Today · 4.125%
HK$111,807
baseline
▲ 0.50% · 4.625%
HK$118,610
+HK$6,803/mo
Deposit HK$15.38M · loan HK$23.07M · min. income ≈ HK$223,614/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,634,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,044
−HK$6,323/mo
▼ 0.25% · 3.875%
HK$120,183
−HK$3,184/mo
Today · 4.125%
HK$123,367
baseline
▲ 0.50% · 4.625%
HK$129,870
+HK$6,503/mo
Deposit HK$15.38M · loan HK$23.07M · min. income ≈ HK$246,734/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,634,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,744
−HK$7,697/mo
▼ 0.25% · 3.875%
HK$126,562
−HK$3,879/mo
Today · 4.125%
HK$130,441
baseline
▲ 0.50% · 4.625%
HK$138,378
+HK$7,937/mo
Deposit HK$11.53M · loan HK$26.91M · min. income ≈ HK$260,882/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,551
−HK$7,378/mo
▼ 0.25% · 3.875%
HK$140,213
−HK$3,716/mo
Today · 4.125%
HK$143,929
baseline
▲ 0.50% · 4.625%
HK$151,515
+HK$7,586/mo
Deposit HK$11.53M · loan HK$26.91M · min. income ≈ HK$287,858/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,813
−HK$9,897/mo
▼ 0.25% · 3.875%
HK$162,722
−HK$4,988/mo
Today · 4.125%
HK$167,710
baseline
▲ 0.50% · 4.625%
HK$177,914
+HK$10,204/mo
Deposit HK$3.84M · loan HK$34.60M · min. income ≈ HK$335,420/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,566
−HK$9,485/mo
▼ 0.25% · 3.875%
HK$180,274
−HK$4,777/mo
Today · 4.125%
HK$185,051
baseline
▲ 0.50% · 4.625%
HK$194,805
+HK$9,754/mo
Deposit HK$3.84M · loan HK$34.60M · min. income ≈ HK$370,102/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,094 · Scale 2, in force from 26 Feb 2026)