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$87,429
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$90,148
−HK$2,763/mo
Today · 4.125%
HK$92,911
baseline
▲ 0.50% · 4.625%
HK$98,565
+HK$5,654/mo
Deposit HK$19.17M · loan HK$19.17M · min. income ≈ HK$185,822/mo (50% DSR)
Upfront cash ≈ HK$20.80M (deposit + AVD stamp duty HK$1,629,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,263
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$99,872
−HK$2,646/mo
Today · 4.125%
HK$102,518
baseline
▲ 0.50% · 4.625%
HK$107,922
+HK$5,404/mo
Deposit HK$19.17M · loan HK$19.17M · min. income ≈ HK$205,036/mo (50% DSR)
Upfront cash ≈ HK$20.80M (deposit + AVD stamp duty HK$1,629,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,914
−HK$6,579/mo
▼ 0.25% · 3.875%
HK$108,178
−HK$3,315/mo
Today · 4.125%
HK$111,493
baseline
▲ 0.50% · 4.625%
HK$118,277
+HK$6,784/mo
Deposit HK$15.34M · loan HK$23.00M · min. income ≈ HK$222,986/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,629,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,716
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$119,846
−HK$3,176/mo
Today · 4.125%
HK$123,022
baseline
▲ 0.50% · 4.625%
HK$129,507
+HK$6,485/mo
Deposit HK$15.34M · loan HK$23.00M · min. income ≈ HK$246,044/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,629,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,400
−HK$7,676/mo
▼ 0.25% · 3.875%
HK$126,207
−HK$3,869/mo
Today · 4.125%
HK$130,076
baseline
▲ 0.50% · 4.625%
HK$137,990
+HK$7,914/mo
Deposit HK$11.50M · loan HK$26.84M · min. income ≈ HK$260,152/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,629,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,169
−HK$7,357/mo
▼ 0.25% · 3.875%
HK$139,821
−HK$3,705/mo
Today · 4.125%
HK$143,526
baseline
▲ 0.50% · 4.625%
HK$151,091
+HK$7,565/mo
Deposit HK$11.50M · loan HK$26.84M · min. income ≈ HK$287,052/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,629,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,371
−HK$9,869/mo
▼ 0.25% · 3.875%
HK$162,267
−HK$4,973/mo
Today · 4.125%
HK$167,240
baseline
▲ 0.50% · 4.625%
HK$177,416
+HK$10,176/mo
Deposit HK$3.83M · loan HK$34.51M · min. income ≈ HK$334,480/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,629,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,074
−HK$9,459/mo
▼ 0.25% · 3.875%
HK$179,769
−HK$4,764/mo
Today · 4.125%
HK$184,533
baseline
▲ 0.50% · 4.625%
HK$194,260
+HK$9,727/mo
Deposit HK$3.83M · loan HK$34.51M · min. income ≈ HK$369,066/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,629,516 · Scale 2, in force from 26 Feb 2026)