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$86,688
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$89,384
−HK$2,740/mo
Today · 4.125%
HK$92,124
baseline
▲ 0.50% · 4.625%
HK$97,729
+HK$5,605/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$184,248/mo (50% DSR)
Upfront cash ≈ HK$20.62M (deposit + AVD stamp duty HK$1,615,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,439
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$99,025
−HK$2,624/mo
Today · 4.125%
HK$101,649
baseline
▲ 0.50% · 4.625%
HK$107,007
+HK$5,358/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$203,298/mo (50% DSR)
Upfront cash ≈ HK$20.62M (deposit + AVD stamp duty HK$1,615,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,025
−HK$6,523/mo
▼ 0.25% · 3.875%
HK$107,261
−HK$3,287/mo
Today · 4.125%
HK$110,548
baseline
▲ 0.50% · 4.625%
HK$117,275
+HK$6,727/mo
Deposit HK$15.21M · loan HK$22.81M · min. income ≈ HK$221,096/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,727
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$118,831
−HK$3,148/mo
Today · 4.125%
HK$121,979
baseline
▲ 0.50% · 4.625%
HK$128,409
+HK$6,430/mo
Deposit HK$15.21M · loan HK$22.81M · min. income ≈ HK$243,958/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,363
−HK$7,610/mo
▼ 0.25% · 3.875%
HK$125,138
−HK$3,835/mo
Today · 4.125%
HK$128,973
baseline
▲ 0.50% · 4.625%
HK$136,821
+HK$7,848/mo
Deposit HK$11.40M · loan HK$26.61M · min. income ≈ HK$257,946/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,015
−HK$7,294/mo
▼ 0.25% · 3.875%
HK$138,636
−HK$3,673/mo
Today · 4.125%
HK$142,309
baseline
▲ 0.50% · 4.625%
HK$149,810
+HK$7,501/mo
Deposit HK$11.40M · loan HK$26.61M · min. income ≈ HK$284,618/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,038
−HK$9,785/mo
▼ 0.25% · 3.875%
HK$160,891
−HK$4,932/mo
Today · 4.125%
HK$165,823
baseline
▲ 0.50% · 4.625%
HK$175,912
+HK$10,089/mo
Deposit HK$3.80M · loan HK$34.21M · min. income ≈ HK$331,646/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,590
−HK$9,379/mo
▼ 0.25% · 3.875%
HK$178,246
−HK$4,723/mo
Today · 4.125%
HK$182,969
baseline
▲ 0.50% · 4.625%
HK$192,613
+HK$9,644/mo
Deposit HK$3.80M · loan HK$34.21M · min. income ≈ HK$365,938/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,705 · Scale 2, in force from 26 Feb 2026)