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$87,815
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$90,547
−HK$2,775/mo
Today · 4.125%
HK$93,322
baseline
▲ 0.50% · 4.625%
HK$99,001
+HK$5,679/mo
Deposit HK$19.26M · loan HK$19.26M · min. income ≈ HK$186,644/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,694
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$100,314
−HK$2,658/mo
Today · 4.125%
HK$102,972
baseline
▲ 0.50% · 4.625%
HK$108,400
+HK$5,428/mo
Deposit HK$19.26M · loan HK$19.26M · min. income ≈ HK$205,944/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,379
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$108,656
−HK$3,331/mo
Today · 4.125%
HK$111,987
baseline
▲ 0.50% · 4.625%
HK$118,801
+HK$6,814/mo
Deposit HK$15.40M · loan HK$23.11M · min. income ≈ HK$223,974/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,233
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$120,377
−HK$3,189/mo
Today · 4.125%
HK$123,566
baseline
▲ 0.50% · 4.625%
HK$130,080
+HK$6,514/mo
Deposit HK$15.40M · loan HK$23.11M · min. income ≈ HK$247,132/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,942
−HK$7,709/mo
▼ 0.25% · 3.875%
HK$126,766
−HK$3,885/mo
Today · 4.125%
HK$130,651
baseline
▲ 0.50% · 4.625%
HK$138,601
+HK$7,950/mo
Deposit HK$11.55M · loan HK$26.96M · min. income ≈ HK$261,302/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,771
−HK$7,390/mo
▼ 0.25% · 3.875%
HK$140,439
−HK$3,722/mo
Today · 4.125%
HK$144,161
baseline
▲ 0.50% · 4.625%
HK$151,760
+HK$7,599/mo
Deposit HK$11.55M · loan HK$26.96M · min. income ≈ HK$288,322/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,068
−HK$9,912/mo
▼ 0.25% · 3.875%
HK$162,985
−HK$4,995/mo
Today · 4.125%
HK$167,980
baseline
▲ 0.50% · 4.625%
HK$178,201
+HK$10,221/mo
Deposit HK$3.85M · loan HK$34.66M · min. income ≈ HK$335,960/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,849
−HK$9,500/mo
▼ 0.25% · 3.875%
HK$180,565
−HK$4,784/mo
Today · 4.125%
HK$185,349
baseline
▲ 0.50% · 4.625%
HK$195,119
+HK$9,770/mo
Deposit HK$3.85M · loan HK$34.66M · min. income ≈ HK$370,698/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,727 · Scale 2, in force from 26 Feb 2026)