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$86,743
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$89,441
−HK$2,741/mo
Today · 4.125%
HK$92,182
baseline
▲ 0.50% · 4.625%
HK$97,791
+HK$5,609/mo
Deposit HK$19.02M · loan HK$19.02M · min. income ≈ HK$184,364/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$1,616,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,500
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$99,089
−HK$2,625/mo
Today · 4.125%
HK$101,714
baseline
▲ 0.50% · 4.625%
HK$107,076
+HK$5,362/mo
Deposit HK$19.02M · loan HK$19.02M · min. income ≈ HK$203,428/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$1,616,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,091
−HK$6,528/mo
▼ 0.25% · 3.875%
HK$107,329
−HK$3,290/mo
Today · 4.125%
HK$110,619
baseline
▲ 0.50% · 4.625%
HK$117,350
+HK$6,731/mo
Deposit HK$15.22M · loan HK$22.82M · min. income ≈ HK$221,238/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,616,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,801
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$118,906
−HK$3,151/mo
Today · 4.125%
HK$122,057
baseline
▲ 0.50% · 4.625%
HK$128,491
+HK$6,434/mo
Deposit HK$15.22M · loan HK$22.82M · min. income ≈ HK$244,114/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,616,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,440
−HK$7,615/mo
▼ 0.25% · 3.875%
HK$125,217
−HK$3,838/mo
Today · 4.125%
HK$129,055
baseline
▲ 0.50% · 4.625%
HK$136,908
+HK$7,853/mo
Deposit HK$11.41M · loan HK$26.63M · min. income ≈ HK$258,110/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,616,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,101
−HK$7,299/mo
▼ 0.25% · 3.875%
HK$138,724
−HK$3,676/mo
Today · 4.125%
HK$142,400
baseline
▲ 0.50% · 4.625%
HK$149,906
+HK$7,506/mo
Deposit HK$11.41M · loan HK$26.63M · min. income ≈ HK$284,800/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,616,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,137
−HK$9,791/mo
▼ 0.25% · 3.875%
HK$160,994
−HK$4,934/mo
Today · 4.125%
HK$165,928
baseline
▲ 0.50% · 4.625%
HK$176,025
+HK$10,097/mo
Deposit HK$3.80M · loan HK$34.24M · min. income ≈ HK$331,856/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,616,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,701
−HK$9,384/mo
▼ 0.25% · 3.875%
HK$178,359
−HK$4,726/mo
Today · 4.125%
HK$183,085
baseline
▲ 0.50% · 4.625%
HK$192,736
+HK$9,651/mo
Deposit HK$3.80M · loan HK$34.24M · min. income ≈ HK$366,170/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,616,734 · Scale 2, in force from 26 Feb 2026)