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$87,205
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$89,917
−HK$2,756/mo
Today · 4.125%
HK$92,673
baseline
▲ 0.50% · 4.625%
HK$98,312
+HK$5,639/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$185,346/mo (50% DSR)
Upfront cash ≈ HK$20.75M (deposit + AVD stamp duty HK$1,625,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,015
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$99,616
−HK$2,640/mo
Today · 4.125%
HK$102,256
baseline
▲ 0.50% · 4.625%
HK$107,646
+HK$5,390/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$204,512/mo (50% DSR)
Upfront cash ≈ HK$20.75M (deposit + AVD stamp duty HK$1,625,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,646
−HK$6,562/mo
▼ 0.25% · 3.875%
HK$107,901
−HK$3,307/mo
Today · 4.125%
HK$111,208
baseline
▲ 0.50% · 4.625%
HK$117,975
+HK$6,767/mo
Deposit HK$15.30M · loan HK$22.95M · min. income ≈ HK$222,416/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,625,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,417
−HK$6,290/mo
▼ 0.25% · 3.875%
HK$119,540
−HK$3,167/mo
Today · 4.125%
HK$122,707
baseline
▲ 0.50% · 4.625%
HK$129,175
+HK$6,468/mo
Deposit HK$15.30M · loan HK$22.95M · min. income ≈ HK$245,414/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,625,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,087
−HK$7,656/mo
▼ 0.25% · 3.875%
HK$125,884
−HK$3,859/mo
Today · 4.125%
HK$129,743
baseline
▲ 0.50% · 4.625%
HK$137,637
+HK$7,894/mo
Deposit HK$11.47M · loan HK$26.77M · min. income ≈ HK$259,486/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,625,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,820
−HK$7,338/mo
▼ 0.25% · 3.875%
HK$139,463
−HK$3,695/mo
Today · 4.125%
HK$143,158
baseline
▲ 0.50% · 4.625%
HK$150,704
+HK$7,546/mo
Deposit HK$11.47M · loan HK$26.77M · min. income ≈ HK$286,316/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,625,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,969
−HK$9,843/mo
▼ 0.25% · 3.875%
HK$161,851
−HK$4,961/mo
Today · 4.125%
HK$166,812
baseline
▲ 0.50% · 4.625%
HK$176,962
+HK$10,150/mo
Deposit HK$3.82M · loan HK$34.42M · min. income ≈ HK$333,624/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,625,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,626
−HK$9,435/mo
▼ 0.25% · 3.875%
HK$179,309
−HK$4,752/mo
Today · 4.125%
HK$184,061
baseline
▲ 0.50% · 4.625%
HK$193,763
+HK$9,702/mo
Deposit HK$3.82M · loan HK$34.42M · min. income ≈ HK$368,122/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,625,346 · Scale 2, in force from 26 Feb 2026)