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$86,775
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$89,474
−HK$2,743/mo
Today · 4.125%
HK$92,217
baseline
▲ 0.50% · 4.625%
HK$97,828
+HK$5,611/mo
Deposit HK$19.03M · loan HK$19.03M · min. income ≈ HK$184,434/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$1,617,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,537
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$99,126
−HK$2,626/mo
Today · 4.125%
HK$101,752
baseline
▲ 0.50% · 4.625%
HK$107,116
+HK$5,364/mo
Deposit HK$19.03M · loan HK$19.03M · min. income ≈ HK$203,504/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$1,617,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,130
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$107,369
−HK$3,291/mo
Today · 4.125%
HK$110,660
baseline
▲ 0.50% · 4.625%
HK$117,394
+HK$6,734/mo
Deposit HK$15.22M · loan HK$22.83M · min. income ≈ HK$221,320/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,617,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,844
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$118,951
−HK$3,152/mo
Today · 4.125%
HK$122,103
baseline
▲ 0.50% · 4.625%
HK$128,539
+HK$6,436/mo
Deposit HK$15.22M · loan HK$22.83M · min. income ≈ HK$244,206/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,617,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,485
−HK$7,618/mo
▼ 0.25% · 3.875%
HK$125,264
−HK$3,839/mo
Today · 4.125%
HK$129,103
baseline
▲ 0.50% · 4.625%
HK$136,959
+HK$7,856/mo
Deposit HK$11.42M · loan HK$26.64M · min. income ≈ HK$258,206/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,617,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,151
−HK$7,302/mo
▼ 0.25% · 3.875%
HK$138,776
−HK$3,677/mo
Today · 4.125%
HK$142,453
baseline
▲ 0.50% · 4.625%
HK$149,962
+HK$7,509/mo
Deposit HK$11.42M · loan HK$26.64M · min. income ≈ HK$284,906/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,617,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,195
−HK$9,795/mo
▼ 0.25% · 3.875%
HK$161,054
−HK$4,936/mo
Today · 4.125%
HK$165,990
baseline
▲ 0.50% · 4.625%
HK$176,090
+HK$10,100/mo
Deposit HK$3.81M · loan HK$34.25M · min. income ≈ HK$331,980/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,617,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,766
−HK$9,388/mo
▼ 0.25% · 3.875%
HK$178,426
−HK$4,728/mo
Today · 4.125%
HK$183,154
baseline
▲ 0.50% · 4.625%
HK$192,808
+HK$9,654/mo
Deposit HK$3.81M · loan HK$34.25M · min. income ≈ HK$366,308/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,617,339 · Scale 2, in force from 26 Feb 2026)