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$87,357
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$90,074
−HK$2,761/mo
Today · 4.125%
HK$92,835
baseline
▲ 0.50% · 4.625%
HK$98,484
+HK$5,649/mo
Deposit HK$19.16M · loan HK$19.16M · min. income ≈ HK$185,670/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,628,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,183
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$99,790
−HK$2,644/mo
Today · 4.125%
HK$102,434
baseline
▲ 0.50% · 4.625%
HK$107,833
+HK$5,399/mo
Deposit HK$19.16M · loan HK$19.16M · min. income ≈ HK$204,868/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,628,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,828
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$108,089
−HK$3,313/mo
Today · 4.125%
HK$111,402
baseline
▲ 0.50% · 4.625%
HK$118,180
+HK$6,778/mo
Deposit HK$15.32M · loan HK$22.99M · min. income ≈ HK$222,804/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,628,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,620
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$119,748
−HK$3,173/mo
Today · 4.125%
HK$122,921
baseline
▲ 0.50% · 4.625%
HK$129,400
+HK$6,479/mo
Deposit HK$15.32M · loan HK$22.99M · min. income ≈ HK$245,842/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,628,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,299
−HK$7,670/mo
▼ 0.25% · 3.875%
HK$126,104
−HK$3,865/mo
Today · 4.125%
HK$129,969
baseline
▲ 0.50% · 4.625%
HK$137,877
+HK$7,908/mo
Deposit HK$11.49M · loan HK$26.82M · min. income ≈ HK$259,938/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,628,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,057
−HK$7,351/mo
▼ 0.25% · 3.875%
HK$139,706
−HK$3,702/mo
Today · 4.125%
HK$143,408
baseline
▲ 0.50% · 4.625%
HK$150,967
+HK$7,559/mo
Deposit HK$11.49M · loan HK$26.82M · min. income ≈ HK$286,816/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,628,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,242
−HK$9,861/mo
▼ 0.25% · 3.875%
HK$162,133
−HK$4,970/mo
Today · 4.125%
HK$167,103
baseline
▲ 0.50% · 4.625%
HK$177,270
+HK$10,167/mo
Deposit HK$3.83M · loan HK$34.48M · min. income ≈ HK$334,206/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,628,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,930
−HK$9,451/mo
▼ 0.25% · 3.875%
HK$179,622
−HK$4,759/mo
Today · 4.125%
HK$184,381
baseline
▲ 0.50% · 4.625%
HK$194,100
+HK$9,719/mo
Deposit HK$3.83M · loan HK$34.48M · min. income ≈ HK$368,762/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,628,177 · Scale 2, in force from 26 Feb 2026)