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$87,871
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$90,605
−HK$2,777/mo
Today · 4.125%
HK$93,382
baseline
▲ 0.50% · 4.625%
HK$99,064
+HK$5,682/mo
Deposit HK$19.27M · loan HK$19.27M · min. income ≈ HK$186,764/mo (50% DSR)
Upfront cash ≈ HK$20.91M (deposit + AVD stamp duty HK$1,637,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,756
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$100,378
−HK$2,659/mo
Today · 4.125%
HK$103,037
baseline
▲ 0.50% · 4.625%
HK$108,469
+HK$5,432/mo
Deposit HK$19.27M · loan HK$19.27M · min. income ≈ HK$206,074/mo (50% DSR)
Upfront cash ≈ HK$20.91M (deposit + AVD stamp duty HK$1,637,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,446
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$108,726
−HK$3,332/mo
Today · 4.125%
HK$112,058
baseline
▲ 0.50% · 4.625%
HK$118,876
+HK$6,818/mo
Deposit HK$15.41M · loan HK$23.12M · min. income ≈ HK$224,116/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,637,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,307
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$120,453
−HK$3,192/mo
Today · 4.125%
HK$123,645
baseline
▲ 0.50% · 4.625%
HK$130,162
+HK$6,517/mo
Deposit HK$15.41M · loan HK$23.12M · min. income ≈ HK$247,290/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,637,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,020
−HK$7,714/mo
▼ 0.25% · 3.875%
HK$126,847
−HK$3,887/mo
Today · 4.125%
HK$130,734
baseline
▲ 0.50% · 4.625%
HK$138,689
+HK$7,955/mo
Deposit HK$11.56M · loan HK$26.98M · min. income ≈ HK$261,468/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,637,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,858
−HK$7,394/mo
▼ 0.25% · 3.875%
HK$140,529
−HK$3,723/mo
Today · 4.125%
HK$144,252
baseline
▲ 0.50% · 4.625%
HK$151,856
+HK$7,604/mo
Deposit HK$11.56M · loan HK$26.98M · min. income ≈ HK$288,504/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,637,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,168
−HK$9,919/mo
▼ 0.25% · 3.875%
HK$163,088
−HK$4,999/mo
Today · 4.125%
HK$168,087
baseline
▲ 0.50% · 4.625%
HK$178,315
+HK$10,228/mo
Deposit HK$3.85M · loan HK$34.68M · min. income ≈ HK$336,174/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,637,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,961
−HK$9,506/mo
▼ 0.25% · 3.875%
HK$180,680
−HK$4,787/mo
Today · 4.125%
HK$185,467
baseline
▲ 0.50% · 4.625%
HK$195,244
+HK$9,777/mo
Deposit HK$3.85M · loan HK$34.68M · min. income ≈ HK$370,934/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,637,769 · Scale 2, in force from 26 Feb 2026)