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$88,095
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$90,836
−HK$2,784/mo
Today · 4.125%
HK$93,620
baseline
▲ 0.50% · 4.625%
HK$99,316
+HK$5,696/mo
Deposit HK$19.32M · loan HK$19.32M · min. income ≈ HK$187,240/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,641,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,005
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,634
−HK$2,666/mo
Today · 4.125%
HK$103,300
baseline
▲ 0.50% · 4.625%
HK$108,745
+HK$5,445/mo
Deposit HK$19.32M · loan HK$19.32M · min. income ≈ HK$206,600/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,641,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,714
−HK$6,630/mo
▼ 0.25% · 3.875%
HK$109,003
−HK$3,341/mo
Today · 4.125%
HK$112,344
baseline
▲ 0.50% · 4.625%
HK$119,180
+HK$6,836/mo
Deposit HK$15.45M · loan HK$23.18M · min. income ≈ HK$224,688/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,641,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,606
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$120,760
−HK$3,200/mo
Today · 4.125%
HK$123,960
baseline
▲ 0.50% · 4.625%
HK$130,494
+HK$6,534/mo
Deposit HK$15.45M · loan HK$23.18M · min. income ≈ HK$247,920/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,641,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,334
−HK$7,734/mo
▼ 0.25% · 3.875%
HK$127,170
−HK$3,898/mo
Today · 4.125%
HK$131,068
baseline
▲ 0.50% · 4.625%
HK$139,043
+HK$7,975/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$262,136/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,207
−HK$7,413/mo
▼ 0.25% · 3.875%
HK$140,887
−HK$3,733/mo
Today · 4.125%
HK$144,620
baseline
▲ 0.50% · 4.625%
HK$152,243
+HK$7,623/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$289,240/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,572
−HK$9,944/mo
▼ 0.25% · 3.875%
HK$163,504
−HK$5,012/mo
Today · 4.125%
HK$168,516
baseline
▲ 0.50% · 4.625%
HK$178,769
+HK$10,253/mo
Deposit HK$3.86M · loan HK$34.77M · min. income ≈ HK$337,032/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,641,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,409
−HK$9,531/mo
▼ 0.25% · 3.875%
HK$181,141
−HK$4,799/mo
Today · 4.125%
HK$185,940
baseline
▲ 0.50% · 4.625%
HK$195,741
+HK$9,801/mo
Deposit HK$3.86M · loan HK$34.77M · min. income ≈ HK$371,880/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,641,945 · Scale 2, in force from 26 Feb 2026)