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$86,958
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$89,663
−HK$2,748/mo
Today · 4.125%
HK$92,411
baseline
▲ 0.50% · 4.625%
HK$98,034
+HK$5,623/mo
Deposit HK$19.07M · loan HK$19.07M · min. income ≈ HK$184,822/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$1,620,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,740
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$99,334
−HK$2,633/mo
Today · 4.125%
HK$101,967
baseline
▲ 0.50% · 4.625%
HK$107,341
+HK$5,374/mo
Deposit HK$19.07M · loan HK$19.07M · min. income ≈ HK$203,934/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$1,620,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,350
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$107,596
−HK$3,297/mo
Today · 4.125%
HK$110,893
baseline
▲ 0.50% · 4.625%
HK$117,641
+HK$6,748/mo
Deposit HK$15.25M · loan HK$22.88M · min. income ≈ HK$221,786/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,620,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,088
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$119,201
−HK$3,159/mo
Today · 4.125%
HK$122,360
baseline
▲ 0.50% · 4.625%
HK$128,810
+HK$6,450/mo
Deposit HK$15.25M · loan HK$22.88M · min. income ≈ HK$244,720/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,620,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,741
−HK$7,635/mo
▼ 0.25% · 3.875%
HK$125,528
−HK$3,848/mo
Today · 4.125%
HK$129,376
baseline
▲ 0.50% · 4.625%
HK$137,248
+HK$7,872/mo
Deposit HK$11.44M · loan HK$26.69M · min. income ≈ HK$258,752/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,620,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,436
−HK$7,317/mo
▼ 0.25% · 3.875%
HK$139,068
−HK$3,685/mo
Today · 4.125%
HK$142,753
baseline
▲ 0.50% · 4.625%
HK$150,278
+HK$7,525/mo
Deposit HK$11.44M · loan HK$26.69M · min. income ≈ HK$285,506/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,620,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,524
−HK$9,816/mo
▼ 0.25% · 3.875%
HK$161,393
−HK$4,947/mo
Today · 4.125%
HK$166,340
baseline
▲ 0.50% · 4.625%
HK$176,461
+HK$10,121/mo
Deposit HK$3.81M · loan HK$34.32M · min. income ≈ HK$332,680/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,620,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,132
−HK$9,408/mo
▼ 0.25% · 3.875%
HK$178,802
−HK$4,738/mo
Today · 4.125%
HK$183,540
baseline
▲ 0.50% · 4.625%
HK$193,214
+HK$9,674/mo
Deposit HK$3.81M · loan HK$34.32M · min. income ≈ HK$367,080/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,620,747 · Scale 2, in force from 26 Feb 2026)