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$87,091
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$89,800
−HK$2,752/mo
Today · 4.125%
HK$92,552
baseline
▲ 0.50% · 4.625%
HK$98,184
+HK$5,632/mo
Deposit HK$19.10M · loan HK$19.10M · min. income ≈ HK$185,104/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$1,623,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,888
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$99,486
−HK$2,636/mo
Today · 4.125%
HK$102,122
baseline
▲ 0.50% · 4.625%
HK$107,505
+HK$5,383/mo
Deposit HK$19.10M · loan HK$19.10M · min. income ≈ HK$204,244/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$1,623,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,509
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$107,760
−HK$3,303/mo
Today · 4.125%
HK$111,063
baseline
▲ 0.50% · 4.625%
HK$117,820
+HK$6,757/mo
Deposit HK$15.28M · loan HK$22.92M · min. income ≈ HK$222,126/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,623,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,265
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$119,383
−HK$3,164/mo
Today · 4.125%
HK$122,547
baseline
▲ 0.50% · 4.625%
HK$129,006
+HK$6,459/mo
Deposit HK$15.28M · loan HK$22.92M · min. income ≈ HK$245,094/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,623,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,927
−HK$7,646/mo
▼ 0.25% · 3.875%
HK$125,720
−HK$3,853/mo
Today · 4.125%
HK$129,573
baseline
▲ 0.50% · 4.625%
HK$137,457
+HK$7,884/mo
Deposit HK$11.46M · loan HK$26.74M · min. income ≈ HK$259,146/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,623,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,643
−HK$7,328/mo
▼ 0.25% · 3.875%
HK$139,280
−HK$3,691/mo
Today · 4.125%
HK$142,971
baseline
▲ 0.50% · 4.625%
HK$150,507
+HK$7,536/mo
Deposit HK$11.46M · loan HK$26.74M · min. income ≈ HK$285,942/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,623,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,763
−HK$9,831/mo
▼ 0.25% · 3.875%
HK$161,640
−HK$4,954/mo
Today · 4.125%
HK$166,594
baseline
▲ 0.50% · 4.625%
HK$176,731
+HK$10,137/mo
Deposit HK$3.82M · loan HK$34.37M · min. income ≈ HK$333,188/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,623,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,398
−HK$9,422/mo
▼ 0.25% · 3.875%
HK$179,075
−HK$4,745/mo
Today · 4.125%
HK$183,820
baseline
▲ 0.50% · 4.625%
HK$193,509
+HK$9,689/mo
Deposit HK$3.82M · loan HK$34.37M · min. income ≈ HK$367,640/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,623,220 · Scale 2, in force from 26 Feb 2026)