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$87,323
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$90,039
−HK$2,760/mo
Today · 4.125%
HK$92,799
baseline
▲ 0.50% · 4.625%
HK$98,446
+HK$5,647/mo
Deposit HK$19.15M · loan HK$19.15M · min. income ≈ HK$185,598/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,627,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,146
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$99,751
−HK$2,643/mo
Today · 4.125%
HK$102,394
baseline
▲ 0.50% · 4.625%
HK$107,792
+HK$5,398/mo
Deposit HK$19.15M · loan HK$19.15M · min. income ≈ HK$204,788/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,627,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,788
−HK$6,571/mo
▼ 0.25% · 3.875%
HK$108,047
−HK$3,312/mo
Today · 4.125%
HK$111,359
baseline
▲ 0.50% · 4.625%
HK$118,135
+HK$6,776/mo
Deposit HK$15.32M · loan HK$22.98M · min. income ≈ HK$222,718/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,627,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,575
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$119,702
−HK$3,171/mo
Today · 4.125%
HK$122,873
baseline
▲ 0.50% · 4.625%
HK$129,350
+HK$6,477/mo
Deposit HK$15.32M · loan HK$22.98M · min. income ≈ HK$245,746/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,627,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,252
−HK$7,667/mo
▼ 0.25% · 3.875%
HK$126,055
−HK$3,864/mo
Today · 4.125%
HK$129,919
baseline
▲ 0.50% · 4.625%
HK$137,824
+HK$7,905/mo
Deposit HK$11.49M · loan HK$26.81M · min. income ≈ HK$259,838/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,627,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,004
−HK$7,348/mo
▼ 0.25% · 3.875%
HK$139,652
−HK$3,700/mo
Today · 4.125%
HK$143,352
baseline
▲ 0.50% · 4.625%
HK$150,909
+HK$7,557/mo
Deposit HK$11.49M · loan HK$26.81M · min. income ≈ HK$286,704/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,627,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,181
−HK$9,857/mo
▼ 0.25% · 3.875%
HK$162,071
−HK$4,967/mo
Today · 4.125%
HK$167,038
baseline
▲ 0.50% · 4.625%
HK$177,202
+HK$10,164/mo
Deposit HK$3.83M · loan HK$34.47M · min. income ≈ HK$334,076/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,627,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,863
−HK$9,447/mo
▼ 0.25% · 3.875%
HK$179,553
−HK$4,757/mo
Today · 4.125%
HK$184,310
baseline
▲ 0.50% · 4.625%
HK$194,025
+HK$9,715/mo
Deposit HK$3.83M · loan HK$34.47M · min. income ≈ HK$368,620/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,627,549 · Scale 2, in force from 26 Feb 2026)