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$87,358
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$90,075
−HK$2,761/mo
Today · 4.125%
HK$92,836
baseline
▲ 0.50% · 4.625%
HK$98,485
+HK$5,649/mo
Deposit HK$19.16M · loan HK$19.16M · min. income ≈ HK$185,672/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,628,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,185
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$99,791
−HK$2,644/mo
Today · 4.125%
HK$102,435
baseline
▲ 0.50% · 4.625%
HK$107,835
+HK$5,400/mo
Deposit HK$19.16M · loan HK$19.16M · min. income ≈ HK$204,870/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,628,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,829
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$108,090
−HK$3,313/mo
Today · 4.125%
HK$111,403
baseline
▲ 0.50% · 4.625%
HK$118,182
+HK$6,779/mo
Deposit HK$15.32M · loan HK$22.99M · min. income ≈ HK$222,806/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,628,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,622
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$119,749
−HK$3,173/mo
Today · 4.125%
HK$122,922
baseline
▲ 0.50% · 4.625%
HK$129,402
+HK$6,480/mo
Deposit HK$15.32M · loan HK$22.99M · min. income ≈ HK$245,844/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,628,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,301
−HK$7,669/mo
▼ 0.25% · 3.875%
HK$126,105
−HK$3,865/mo
Today · 4.125%
HK$129,970
baseline
▲ 0.50% · 4.625%
HK$137,879
+HK$7,909/mo
Deposit HK$11.49M · loan HK$26.82M · min. income ≈ HK$259,940/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,628,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,058
−HK$7,351/mo
▼ 0.25% · 3.875%
HK$139,707
−HK$3,702/mo
Today · 4.125%
HK$143,409
baseline
▲ 0.50% · 4.625%
HK$150,969
+HK$7,560/mo
Deposit HK$11.49M · loan HK$26.82M · min. income ≈ HK$286,818/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,628,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,244
−HK$9,860/mo
▼ 0.25% · 3.875%
HK$162,135
−HK$4,969/mo
Today · 4.125%
HK$167,104
baseline
▲ 0.50% · 4.625%
HK$177,272
+HK$10,168/mo
Deposit HK$3.83M · loan HK$34.48M · min. income ≈ HK$334,208/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,628,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,932
−HK$9,451/mo
▼ 0.25% · 3.875%
HK$179,624
−HK$4,759/mo
Today · 4.125%
HK$184,383
baseline
▲ 0.50% · 4.625%
HK$194,102
+HK$9,719/mo
Deposit HK$3.83M · loan HK$34.48M · min. income ≈ HK$368,766/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,628,196 · Scale 2, in force from 26 Feb 2026)