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$87,235
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$89,948
−HK$2,757/mo
Today · 4.125%
HK$92,705
baseline
▲ 0.50% · 4.625%
HK$98,346
+HK$5,641/mo
Deposit HK$19.13M · loan HK$19.13M · min. income ≈ HK$185,410/mo (50% DSR)
Upfront cash ≈ HK$20.75M (deposit + AVD stamp duty HK$1,625,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,048
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$99,651
−HK$2,640/mo
Today · 4.125%
HK$102,291
baseline
▲ 0.50% · 4.625%
HK$107,683
+HK$5,392/mo
Deposit HK$19.13M · loan HK$19.13M · min. income ≈ HK$204,582/mo (50% DSR)
Upfront cash ≈ HK$20.75M (deposit + AVD stamp duty HK$1,625,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,682
−HK$6,564/mo
▼ 0.25% · 3.875%
HK$107,938
−HK$3,308/mo
Today · 4.125%
HK$111,246
baseline
▲ 0.50% · 4.625%
HK$118,015
+HK$6,769/mo
Deposit HK$15.30M · loan HK$22.95M · min. income ≈ HK$222,492/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,625,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,457
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$119,581
−HK$3,168/mo
Today · 4.125%
HK$122,749
baseline
▲ 0.50% · 4.625%
HK$129,220
+HK$6,471/mo
Deposit HK$15.30M · loan HK$22.95M · min. income ≈ HK$245,498/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,625,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,129
−HK$7,658/mo
▼ 0.25% · 3.875%
HK$125,928
−HK$3,859/mo
Today · 4.125%
HK$129,787
baseline
▲ 0.50% · 4.625%
HK$137,685
+HK$7,898/mo
Deposit HK$11.48M · loan HK$26.78M · min. income ≈ HK$259,574/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,625,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,867
−HK$7,341/mo
▼ 0.25% · 3.875%
HK$139,511
−HK$3,697/mo
Today · 4.125%
HK$143,208
baseline
▲ 0.50% · 4.625%
HK$150,756
+HK$7,548/mo
Deposit HK$11.48M · loan HK$26.78M · min. income ≈ HK$286,416/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,625,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,023
−HK$9,846/mo
▼ 0.25% · 3.875%
HK$161,907
−HK$4,962/mo
Today · 4.125%
HK$166,869
baseline
▲ 0.50% · 4.625%
HK$177,023
+HK$10,154/mo
Deposit HK$3.83M · loan HK$34.43M · min. income ≈ HK$333,738/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,625,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,686
−HK$9,438/mo
▼ 0.25% · 3.875%
HK$179,371
−HK$4,753/mo
Today · 4.125%
HK$184,124
baseline
▲ 0.50% · 4.625%
HK$193,829
+HK$9,705/mo
Deposit HK$3.83M · loan HK$34.43M · min. income ≈ HK$368,248/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,625,905 · Scale 2, in force from 26 Feb 2026)