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$87,053
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$89,760
−HK$2,751/mo
Today · 4.125%
HK$92,511
baseline
▲ 0.50% · 4.625%
HK$98,141
+HK$5,630/mo
Deposit HK$19.09M · loan HK$19.09M · min. income ≈ HK$185,022/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,622,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,845
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$99,442
−HK$2,635/mo
Today · 4.125%
HK$102,077
baseline
▲ 0.50% · 4.625%
HK$107,458
+HK$5,381/mo
Deposit HK$19.09M · loan HK$19.09M · min. income ≈ HK$204,154/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,622,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,463
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$107,712
−HK$3,302/mo
Today · 4.125%
HK$111,014
baseline
▲ 0.50% · 4.625%
HK$117,769
+HK$6,755/mo
Deposit HK$15.27M · loan HK$22.91M · min. income ≈ HK$222,028/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,622,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,214
−HK$6,279/mo
▼ 0.25% · 3.875%
HK$119,331
−HK$3,162/mo
Today · 4.125%
HK$122,493
baseline
▲ 0.50% · 4.625%
HK$128,949
+HK$6,456/mo
Deposit HK$15.27M · loan HK$22.91M · min. income ≈ HK$244,986/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,622,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,874
−HK$7,642/mo
▼ 0.25% · 3.875%
HK$125,664
−HK$3,852/mo
Today · 4.125%
HK$129,516
baseline
▲ 0.50% · 4.625%
HK$137,397
+HK$7,881/mo
Deposit HK$11.45M · loan HK$26.72M · min. income ≈ HK$259,032/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,622,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,583
−HK$7,325/mo
▼ 0.25% · 3.875%
HK$139,219
−HK$3,689/mo
Today · 4.125%
HK$142,908
baseline
▲ 0.50% · 4.625%
HK$150,441
+HK$7,533/mo
Deposit HK$11.45M · loan HK$26.72M · min. income ≈ HK$285,816/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,622,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,695
−HK$9,826/mo
▼ 0.25% · 3.875%
HK$161,569
−HK$4,952/mo
Today · 4.125%
HK$166,521
baseline
▲ 0.50% · 4.625%
HK$176,653
+HK$10,132/mo
Deposit HK$3.82M · loan HK$34.36M · min. income ≈ HK$333,042/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,622,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,321
−HK$9,418/mo
▼ 0.25% · 3.875%
HK$178,996
−HK$4,743/mo
Today · 4.125%
HK$183,739
baseline
▲ 0.50% · 4.625%
HK$193,424
+HK$9,685/mo
Deposit HK$3.82M · loan HK$34.36M · min. income ≈ HK$367,478/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,622,507 · Scale 2, in force from 26 Feb 2026)