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$87,644
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$90,370
−HK$2,770/mo
Today · 4.125%
HK$93,140
baseline
▲ 0.50% · 4.625%
HK$98,807
+HK$5,667/mo
Deposit HK$19.22M · loan HK$19.22M · min. income ≈ HK$186,280/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$1,633,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,503
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$100,118
−HK$2,653/mo
Today · 4.125%
HK$102,771
baseline
▲ 0.50% · 4.625%
HK$108,188
+HK$5,417/mo
Deposit HK$19.22M · loan HK$19.22M · min. income ≈ HK$205,542/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$1,633,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,173
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$108,444
−HK$3,324/mo
Today · 4.125%
HK$111,768
baseline
▲ 0.50% · 4.625%
HK$118,569
+HK$6,801/mo
Deposit HK$15.37M · loan HK$23.06M · min. income ≈ HK$223,536/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,633,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,004
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$120,142
−HK$3,183/mo
Today · 4.125%
HK$123,325
baseline
▲ 0.50% · 4.625%
HK$129,826
+HK$6,501/mo
Deposit HK$15.37M · loan HK$23.06M · min. income ≈ HK$246,650/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,633,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,702
−HK$7,694/mo
▼ 0.25% · 3.875%
HK$126,518
−HK$3,878/mo
Today · 4.125%
HK$130,396
baseline
▲ 0.50% · 4.625%
HK$138,330
+HK$7,934/mo
Deposit HK$11.53M · loan HK$26.91M · min. income ≈ HK$260,792/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,633,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,504
−HK$7,375/mo
▼ 0.25% · 3.875%
HK$140,165
−HK$3,714/mo
Today · 4.125%
HK$143,879
baseline
▲ 0.50% · 4.625%
HK$151,463
+HK$7,584/mo
Deposit HK$11.53M · loan HK$26.91M · min. income ≈ HK$287,758/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,633,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,759
−HK$9,893/mo
▼ 0.25% · 3.875%
HK$162,667
−HK$4,985/mo
Today · 4.125%
HK$167,652
baseline
▲ 0.50% · 4.625%
HK$177,853
+HK$10,201/mo
Deposit HK$3.84M · loan HK$34.59M · min. income ≈ HK$335,304/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,633,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,506
−HK$9,482/mo
▼ 0.25% · 3.875%
HK$180,213
−HK$4,775/mo
Today · 4.125%
HK$184,988
baseline
▲ 0.50% · 4.625%
HK$194,739
+HK$9,751/mo
Deposit HK$3.84M · loan HK$34.59M · min. income ≈ HK$369,976/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,633,533 · Scale 2, in force from 26 Feb 2026)