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$87,543
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$90,266
−HK$2,767/mo
Today · 4.125%
HK$93,033
baseline
▲ 0.50% · 4.625%
HK$98,693
+HK$5,660/mo
Deposit HK$19.20M · loan HK$19.20M · min. income ≈ HK$186,066/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$1,631,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,391
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$100,003
−HK$2,649/mo
Today · 4.125%
HK$102,652
baseline
▲ 0.50% · 4.625%
HK$108,063
+HK$5,411/mo
Deposit HK$19.20M · loan HK$19.20M · min. income ≈ HK$205,304/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$1,631,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,051
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$108,319
−HK$3,320/mo
Today · 4.125%
HK$111,639
baseline
▲ 0.50% · 4.625%
HK$118,432
+HK$6,793/mo
Deposit HK$15.36M · loan HK$23.04M · min. income ≈ HK$223,278/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,631,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,869
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$120,003
−HK$3,180/mo
Today · 4.125%
HK$123,183
baseline
▲ 0.50% · 4.625%
HK$129,676
+HK$6,493/mo
Deposit HK$15.36M · loan HK$23.04M · min. income ≈ HK$246,366/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,631,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,560
−HK$7,686/mo
▼ 0.25% · 3.875%
HK$126,372
−HK$3,874/mo
Today · 4.125%
HK$130,246
baseline
▲ 0.50% · 4.625%
HK$138,171
+HK$7,925/mo
Deposit HK$11.52M · loan HK$26.87M · min. income ≈ HK$260,492/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,631,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,347
−HK$7,366/mo
▼ 0.25% · 3.875%
HK$140,004
−HK$3,709/mo
Today · 4.125%
HK$143,713
baseline
▲ 0.50% · 4.625%
HK$151,289
+HK$7,576/mo
Deposit HK$11.52M · loan HK$26.87M · min. income ≈ HK$287,426/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,631,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,577
−HK$9,882/mo
▼ 0.25% · 3.875%
HK$162,479
−HK$4,980/mo
Today · 4.125%
HK$167,459
baseline
▲ 0.50% · 4.625%
HK$177,648
+HK$10,189/mo
Deposit HK$3.84M · loan HK$34.55M · min. income ≈ HK$334,918/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,631,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,303
−HK$9,471/mo
▼ 0.25% · 3.875%
HK$180,005
−HK$4,769/mo
Today · 4.125%
HK$184,774
baseline
▲ 0.50% · 4.625%
HK$194,514
+HK$9,740/mo
Deposit HK$3.84M · loan HK$34.55M · min. income ≈ HK$369,548/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,631,648 · Scale 2, in force from 26 Feb 2026)