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$87,804
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$90,535
−HK$2,775/mo
Today · 4.125%
HK$93,310
baseline
▲ 0.50% · 4.625%
HK$98,988
+HK$5,678/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$186,620/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,681
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$100,301
−HK$2,657/mo
Today · 4.125%
HK$102,958
baseline
▲ 0.50% · 4.625%
HK$108,385
+HK$5,427/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$205,916/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,365
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$108,642
−HK$3,330/mo
Today · 4.125%
HK$111,972
baseline
▲ 0.50% · 4.625%
HK$118,785
+HK$6,813/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$223,944/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,217
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$120,361
−HK$3,189/mo
Today · 4.125%
HK$123,550
baseline
▲ 0.50% · 4.625%
HK$130,062
+HK$6,512/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$247,100/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,925
−HK$7,709/mo
▼ 0.25% · 3.875%
HK$126,749
−HK$3,885/mo
Today · 4.125%
HK$130,634
baseline
▲ 0.50% · 4.625%
HK$138,583
+HK$7,949/mo
Deposit HK$11.55M · loan HK$26.95M · min. income ≈ HK$261,268/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,753
−HK$7,388/mo
▼ 0.25% · 3.875%
HK$140,421
−HK$3,720/mo
Today · 4.125%
HK$144,141
baseline
▲ 0.50% · 4.625%
HK$151,739
+HK$7,598/mo
Deposit HK$11.55M · loan HK$26.95M · min. income ≈ HK$288,282/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,047
−HK$9,911/mo
▼ 0.25% · 3.875%
HK$162,963
−HK$4,995/mo
Today · 4.125%
HK$167,958
baseline
▲ 0.50% · 4.625%
HK$178,178
+HK$10,220/mo
Deposit HK$3.85M · loan HK$34.66M · min. income ≈ HK$335,916/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,825
−HK$9,500/mo
▼ 0.25% · 3.875%
HK$180,541
−HK$4,784/mo
Today · 4.125%
HK$185,325
baseline
▲ 0.50% · 4.625%
HK$195,093
+HK$9,768/mo
Deposit HK$3.85M · loan HK$34.66M · min. income ≈ HK$370,650/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,509 · Scale 2, in force from 26 Feb 2026)