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$87,473
−HK$5,485/mo
▼ 0.25% · 3.875%
HK$90,194
−HK$2,764/mo
Today · 4.125%
HK$92,958
baseline
▲ 0.50% · 4.625%
HK$98,615
+HK$5,657/mo
Deposit HK$19.18M · loan HK$19.18M · min. income ≈ HK$185,916/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$1,630,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,313
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$99,923
−HK$2,647/mo
Today · 4.125%
HK$102,570
baseline
▲ 0.50% · 4.625%
HK$107,977
+HK$5,407/mo
Deposit HK$19.18M · loan HK$19.18M · min. income ≈ HK$205,140/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$1,630,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,968
−HK$6,582/mo
▼ 0.25% · 3.875%
HK$108,233
−HK$3,317/mo
Today · 4.125%
HK$111,550
baseline
▲ 0.50% · 4.625%
HK$118,338
+HK$6,788/mo
Deposit HK$15.34M · loan HK$23.02M · min. income ≈ HK$223,100/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,630,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,776
−HK$6,309/mo
▼ 0.25% · 3.875%
HK$119,907
−HK$3,178/mo
Today · 4.125%
HK$123,085
baseline
▲ 0.50% · 4.625%
HK$129,572
+HK$6,487/mo
Deposit HK$15.34M · loan HK$23.02M · min. income ≈ HK$246,170/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,630,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,462
−HK$7,680/mo
▼ 0.25% · 3.875%
HK$126,272
−HK$3,870/mo
Today · 4.125%
HK$130,142
baseline
▲ 0.50% · 4.625%
HK$138,061
+HK$7,919/mo
Deposit HK$11.51M · loan HK$26.85M · min. income ≈ HK$260,284/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,630,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,238
−HK$7,361/mo
▼ 0.25% · 3.875%
HK$139,892
−HK$3,707/mo
Today · 4.125%
HK$143,599
baseline
▲ 0.50% · 4.625%
HK$151,168
+HK$7,569/mo
Deposit HK$11.51M · loan HK$26.85M · min. income ≈ HK$287,198/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,630,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,452
−HK$9,873/mo
▼ 0.25% · 3.875%
HK$162,349
−HK$4,976/mo
Today · 4.125%
HK$167,325
baseline
▲ 0.50% · 4.625%
HK$177,506
+HK$10,181/mo
Deposit HK$3.84M · loan HK$34.52M · min. income ≈ HK$334,650/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,630,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,163
−HK$9,464/mo
▼ 0.25% · 3.875%
HK$179,861
−HK$4,766/mo
Today · 4.125%
HK$184,627
baseline
▲ 0.50% · 4.625%
HK$194,359
+HK$9,732/mo
Deposit HK$3.84M · loan HK$34.52M · min. income ≈ HK$369,254/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,630,346 · Scale 2, in force from 26 Feb 2026)