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$87,339
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$90,056
−HK$2,760/mo
Today · 4.125%
HK$92,816
baseline
▲ 0.50% · 4.625%
HK$98,464
+HK$5,648/mo
Deposit HK$19.15M · loan HK$19.15M · min. income ≈ HK$185,632/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,627,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,164
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$99,770
−HK$2,643/mo
Today · 4.125%
HK$102,413
baseline
▲ 0.50% · 4.625%
HK$107,812
+HK$5,399/mo
Deposit HK$19.15M · loan HK$19.15M · min. income ≈ HK$204,826/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,627,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,807
−HK$6,572/mo
▼ 0.25% · 3.875%
HK$108,067
−HK$3,312/mo
Today · 4.125%
HK$111,379
baseline
▲ 0.50% · 4.625%
HK$118,157
+HK$6,778/mo
Deposit HK$15.32M · loan HK$22.98M · min. income ≈ HK$222,758/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,627,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,597
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$119,724
−HK$3,172/mo
Today · 4.125%
HK$122,896
baseline
▲ 0.50% · 4.625%
HK$129,374
+HK$6,478/mo
Deposit HK$15.32M · loan HK$22.98M · min. income ≈ HK$245,792/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,627,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,275
−HK$7,668/mo
▼ 0.25% · 3.875%
HK$126,078
−HK$3,865/mo
Today · 4.125%
HK$129,943
baseline
▲ 0.50% · 4.625%
HK$137,849
+HK$7,906/mo
Deposit HK$11.49M · loan HK$26.81M · min. income ≈ HK$259,886/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,627,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,030
−HK$7,349/mo
▼ 0.25% · 3.875%
HK$139,678
−HK$3,701/mo
Today · 4.125%
HK$143,379
baseline
▲ 0.50% · 4.625%
HK$150,937
+HK$7,558/mo
Deposit HK$11.49M · loan HK$26.81M · min. income ≈ HK$286,758/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,627,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,211
−HK$9,858/mo
▼ 0.25% · 3.875%
HK$162,101
−HK$4,968/mo
Today · 4.125%
HK$167,069
baseline
▲ 0.50% · 4.625%
HK$177,235
+HK$10,166/mo
Deposit HK$3.83M · loan HK$34.47M · min. income ≈ HK$334,138/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,627,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,895
−HK$9,449/mo
▼ 0.25% · 3.875%
HK$179,586
−HK$4,758/mo
Today · 4.125%
HK$184,344
baseline
▲ 0.50% · 4.625%
HK$194,061
+HK$9,717/mo
Deposit HK$3.83M · loan HK$34.47M · min. income ≈ HK$368,688/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,627,851 · Scale 2, in force from 26 Feb 2026)