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$87,919
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$90,654
−HK$2,779/mo
Today · 4.125%
HK$93,433
baseline
▲ 0.50% · 4.625%
HK$99,118
+HK$5,685/mo
Deposit HK$19.28M · loan HK$19.28M · min. income ≈ HK$186,866/mo (50% DSR)
Upfront cash ≈ HK$20.92M (deposit + AVD stamp duty HK$1,638,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,809
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$100,433
−HK$2,661/mo
Today · 4.125%
HK$103,094
baseline
▲ 0.50% · 4.625%
HK$108,528
+HK$5,434/mo
Deposit HK$19.28M · loan HK$19.28M · min. income ≈ HK$206,188/mo (50% DSR)
Upfront cash ≈ HK$20.92M (deposit + AVD stamp duty HK$1,638,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,503
−HK$6,616/mo
▼ 0.25% · 3.875%
HK$108,785
−HK$3,334/mo
Today · 4.125%
HK$112,119
baseline
▲ 0.50% · 4.625%
HK$118,941
+HK$6,822/mo
Deposit HK$15.42M · loan HK$23.13M · min. income ≈ HK$224,238/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,638,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,371
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$120,519
−HK$3,193/mo
Today · 4.125%
HK$123,712
baseline
▲ 0.50% · 4.625%
HK$130,234
+HK$6,522/mo
Deposit HK$15.42M · loan HK$23.13M · min. income ≈ HK$247,424/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,638,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,087
−HK$7,719/mo
▼ 0.25% · 3.875%
HK$126,916
−HK$3,890/mo
Today · 4.125%
HK$130,806
baseline
▲ 0.50% · 4.625%
HK$138,765
+HK$7,959/mo
Deposit HK$11.57M · loan HK$26.99M · min. income ≈ HK$261,612/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,638,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,933
−HK$7,398/mo
▼ 0.25% · 3.875%
HK$140,606
−HK$3,725/mo
Today · 4.125%
HK$144,331
baseline
▲ 0.50% · 4.625%
HK$151,939
+HK$7,608/mo
Deposit HK$11.57M · loan HK$26.99M · min. income ≈ HK$288,662/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,638,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,255
−HK$9,924/mo
▼ 0.25% · 3.875%
HK$163,177
−HK$5,002/mo
Today · 4.125%
HK$168,179
baseline
▲ 0.50% · 4.625%
HK$178,412
+HK$10,233/mo
Deposit HK$3.86M · loan HK$34.70M · min. income ≈ HK$336,358/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,638,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,057
−HK$9,512/mo
▼ 0.25% · 3.875%
HK$180,779
−HK$4,790/mo
Today · 4.125%
HK$185,569
baseline
▲ 0.50% · 4.625%
HK$195,350
+HK$9,781/mo
Deposit HK$3.86M · loan HK$34.70M · min. income ≈ HK$371,138/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,638,664 · Scale 2, in force from 26 Feb 2026)