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$87,835
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$90,567
−HK$2,776/mo
Today · 4.125%
HK$93,343
baseline
▲ 0.50% · 4.625%
HK$99,023
+HK$5,680/mo
Deposit HK$19.26M · loan HK$19.26M · min. income ≈ HK$186,686/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$1,637,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,716
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$100,337
−HK$2,658/mo
Today · 4.125%
HK$102,995
baseline
▲ 0.50% · 4.625%
HK$108,424
+HK$5,429/mo
Deposit HK$19.26M · loan HK$19.26M · min. income ≈ HK$205,990/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$1,637,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,402
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$108,681
−HK$3,331/mo
Today · 4.125%
HK$112,012
baseline
▲ 0.50% · 4.625%
HK$118,828
+HK$6,816/mo
Deposit HK$15.41M · loan HK$23.11M · min. income ≈ HK$224,024/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,637,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,259
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$120,404
−HK$3,190/mo
Today · 4.125%
HK$123,594
baseline
▲ 0.50% · 4.625%
HK$130,109
+HK$6,515/mo
Deposit HK$15.41M · loan HK$23.11M · min. income ≈ HK$247,188/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,637,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,969
−HK$7,712/mo
▼ 0.25% · 3.875%
HK$126,794
−HK$3,887/mo
Today · 4.125%
HK$130,681
baseline
▲ 0.50% · 4.625%
HK$138,632
+HK$7,951/mo
Deposit HK$11.56M · loan HK$26.96M · min. income ≈ HK$261,362/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,637,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,802
−HK$7,391/mo
▼ 0.25% · 3.875%
HK$140,471
−HK$3,722/mo
Today · 4.125%
HK$144,193
baseline
▲ 0.50% · 4.625%
HK$151,794
+HK$7,601/mo
Deposit HK$11.56M · loan HK$26.96M · min. income ≈ HK$288,386/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,637,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,104
−HK$9,914/mo
▼ 0.25% · 3.875%
HK$163,021
−HK$4,997/mo
Today · 4.125%
HK$168,018
baseline
▲ 0.50% · 4.625%
HK$178,242
+HK$10,224/mo
Deposit HK$3.85M · loan HK$34.67M · min. income ≈ HK$336,036/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,637,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,889
−HK$9,502/mo
▼ 0.25% · 3.875%
HK$180,606
−HK$4,785/mo
Today · 4.125%
HK$185,391
baseline
▲ 0.50% · 4.625%
HK$195,164
+HK$9,773/mo
Deposit HK$3.85M · loan HK$34.67M · min. income ≈ HK$370,782/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,637,097 · Scale 2, in force from 26 Feb 2026)