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$87,865
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$90,598
−HK$2,777/mo
Today · 4.125%
HK$93,375
baseline
▲ 0.50% · 4.625%
HK$99,057
+HK$5,682/mo
Deposit HK$19.27M · loan HK$19.27M · min. income ≈ HK$186,750/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$1,637,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,749
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$100,371
−HK$2,659/mo
Today · 4.125%
HK$103,030
baseline
▲ 0.50% · 4.625%
HK$108,461
+HK$5,431/mo
Deposit HK$19.27M · loan HK$19.27M · min. income ≈ HK$206,060/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$1,637,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,438
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$108,718
−HK$3,332/mo
Today · 4.125%
HK$112,050
baseline
▲ 0.50% · 4.625%
HK$118,868
+HK$6,818/mo
Deposit HK$15.41M · loan HK$23.12M · min. income ≈ HK$224,100/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,637,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,299
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$120,445
−HK$3,191/mo
Today · 4.125%
HK$123,636
baseline
▲ 0.50% · 4.625%
HK$130,153
+HK$6,517/mo
Deposit HK$15.41M · loan HK$23.12M · min. income ≈ HK$247,272/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,637,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,011
−HK$7,714/mo
▼ 0.25% · 3.875%
HK$126,838
−HK$3,887/mo
Today · 4.125%
HK$130,725
baseline
▲ 0.50% · 4.625%
HK$138,679
+HK$7,954/mo
Deposit HK$11.56M · loan HK$26.97M · min. income ≈ HK$261,450/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,637,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,849
−HK$7,393/mo
▼ 0.25% · 3.875%
HK$140,519
−HK$3,723/mo
Today · 4.125%
HK$144,242
baseline
▲ 0.50% · 4.625%
HK$151,845
+HK$7,603/mo
Deposit HK$11.56M · loan HK$26.97M · min. income ≈ HK$288,484/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,637,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,157
−HK$9,918/mo
▼ 0.25% · 3.875%
HK$163,077
−HK$4,998/mo
Today · 4.125%
HK$168,075
baseline
▲ 0.50% · 4.625%
HK$178,302
+HK$10,227/mo
Deposit HK$3.85M · loan HK$34.68M · min. income ≈ HK$336,150/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,637,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,948
−HK$9,506/mo
▼ 0.25% · 3.875%
HK$180,667
−HK$4,787/mo
Today · 4.125%
HK$185,454
baseline
▲ 0.50% · 4.625%
HK$195,230
+HK$9,776/mo
Deposit HK$3.85M · loan HK$34.68M · min. income ≈ HK$370,908/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,637,653 · Scale 2, in force from 26 Feb 2026)