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$86,881
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$89,584
−HK$2,746/mo
Today · 4.125%
HK$92,330
baseline
▲ 0.50% · 4.625%
HK$97,948
+HK$5,618/mo
Deposit HK$19.05M · loan HK$19.05M · min. income ≈ HK$184,660/mo (50% DSR)
Upfront cash ≈ HK$20.67M (deposit + AVD stamp duty HK$1,619,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,655
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$99,247
−HK$2,630/mo
Today · 4.125%
HK$101,877
baseline
▲ 0.50% · 4.625%
HK$107,247
+HK$5,370/mo
Deposit HK$19.05M · loan HK$19.05M · min. income ≈ HK$203,754/mo (50% DSR)
Upfront cash ≈ HK$20.67M (deposit + AVD stamp duty HK$1,619,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,258
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$107,501
−HK$3,295/mo
Today · 4.125%
HK$110,796
baseline
▲ 0.50% · 4.625%
HK$117,537
+HK$6,741/mo
Deposit HK$15.24M · loan HK$22.86M · min. income ≈ HK$221,592/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,619,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,986
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$119,096
−HK$3,156/mo
Today · 4.125%
HK$122,252
baseline
▲ 0.50% · 4.625%
HK$128,696
+HK$6,444/mo
Deposit HK$15.24M · loan HK$22.86M · min. income ≈ HK$244,504/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,619,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,634
−HK$7,627/mo
▼ 0.25% · 3.875%
HK$125,417
−HK$3,844/mo
Today · 4.125%
HK$129,261
baseline
▲ 0.50% · 4.625%
HK$137,127
+HK$7,866/mo
Deposit HK$11.43M · loan HK$26.67M · min. income ≈ HK$258,522/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,619,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,317
−HK$7,310/mo
▼ 0.25% · 3.875%
HK$138,946
−HK$3,681/mo
Today · 4.125%
HK$142,627
baseline
▲ 0.50% · 4.625%
HK$150,145
+HK$7,518/mo
Deposit HK$11.43M · loan HK$26.67M · min. income ≈ HK$285,254/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,619,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,387
−HK$9,806/mo
▼ 0.25% · 3.875%
HK$161,251
−HK$4,942/mo
Today · 4.125%
HK$166,193
baseline
▲ 0.50% · 4.625%
HK$176,306
+HK$10,113/mo
Deposit HK$3.81M · loan HK$34.29M · min. income ≈ HK$332,386/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,619,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,978
−HK$9,400/mo
▼ 0.25% · 3.875%
HK$178,644
−HK$4,734/mo
Today · 4.125%
HK$183,378
baseline
▲ 0.50% · 4.625%
HK$193,044
+HK$9,666/mo
Deposit HK$3.81M · loan HK$34.29M · min. income ≈ HK$366,756/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,619,318 · Scale 2, in force from 26 Feb 2026)