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$87,680
−HK$5,498/mo
▼ 0.25% · 3.875%
HK$90,407
−HK$2,771/mo
Today · 4.125%
HK$93,178
baseline
▲ 0.50% · 4.625%
HK$98,848
+HK$5,670/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$186,356/mo (50% DSR)
Upfront cash ≈ HK$20.86M (deposit + AVD stamp duty HK$1,634,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,543
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$100,159
−HK$2,654/mo
Today · 4.125%
HK$102,813
baseline
▲ 0.50% · 4.625%
HK$108,232
+HK$5,419/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$205,626/mo (50% DSR)
Upfront cash ≈ HK$20.86M (deposit + AVD stamp duty HK$1,634,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,216
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$108,489
−HK$3,325/mo
Today · 4.125%
HK$111,814
baseline
▲ 0.50% · 4.625%
HK$118,617
+HK$6,803/mo
Deposit HK$15.38M · loan HK$23.07M · min. income ≈ HK$223,628/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,634,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,052
−HK$6,323/mo
▼ 0.25% · 3.875%
HK$120,191
−HK$3,184/mo
Today · 4.125%
HK$123,375
baseline
▲ 0.50% · 4.625%
HK$129,879
+HK$6,504/mo
Deposit HK$15.38M · loan HK$23.07M · min. income ≈ HK$246,750/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,634,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,752
−HK$7,697/mo
▼ 0.25% · 3.875%
HK$126,570
−HK$3,879/mo
Today · 4.125%
HK$130,449
baseline
▲ 0.50% · 4.625%
HK$138,387
+HK$7,938/mo
Deposit HK$11.54M · loan HK$26.92M · min. income ≈ HK$260,898/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,560
−HK$7,378/mo
▼ 0.25% · 3.875%
HK$140,223
−HK$3,715/mo
Today · 4.125%
HK$143,938
baseline
▲ 0.50% · 4.625%
HK$151,525
+HK$7,587/mo
Deposit HK$11.54M · loan HK$26.92M · min. income ≈ HK$287,876/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,824
−HK$9,897/mo
▼ 0.25% · 3.875%
HK$162,733
−HK$4,988/mo
Today · 4.125%
HK$167,721
baseline
▲ 0.50% · 4.625%
HK$177,926
+HK$10,205/mo
Deposit HK$3.85M · loan HK$34.61M · min. income ≈ HK$335,442/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,577
−HK$9,486/mo
▼ 0.25% · 3.875%
HK$180,286
−HK$4,777/mo
Today · 4.125%
HK$185,063
baseline
▲ 0.50% · 4.625%
HK$194,818
+HK$9,755/mo
Deposit HK$3.85M · loan HK$34.61M · min. income ≈ HK$370,126/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,200 · Scale 2, in force from 26 Feb 2026)