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$86,888
−HK$5,448/mo
▼ 0.25% · 3.875%
HK$89,590
−HK$2,746/mo
Today · 4.125%
HK$92,336
baseline
▲ 0.50% · 4.625%
HK$97,955
+HK$5,619/mo
Deposit HK$19.05M · loan HK$19.05M · min. income ≈ HK$184,672/mo (50% DSR)
Upfront cash ≈ HK$20.67M (deposit + AVD stamp duty HK$1,619,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,661
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$99,254
−HK$2,630/mo
Today · 4.125%
HK$101,884
baseline
▲ 0.50% · 4.625%
HK$107,254
+HK$5,370/mo
Deposit HK$19.05M · loan HK$19.05M · min. income ≈ HK$203,768/mo (50% DSR)
Upfront cash ≈ HK$20.67M (deposit + AVD stamp duty HK$1,619,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,265
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$107,508
−HK$3,295/mo
Today · 4.125%
HK$110,803
baseline
▲ 0.50% · 4.625%
HK$117,545
+HK$6,742/mo
Deposit HK$15.24M · loan HK$22.86M · min. income ≈ HK$221,606/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,619,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,994
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$119,105
−HK$3,156/mo
Today · 4.125%
HK$122,261
baseline
▲ 0.50% · 4.625%
HK$128,705
+HK$6,444/mo
Deposit HK$15.24M · loan HK$22.86M · min. income ≈ HK$244,522/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,619,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,643
−HK$7,628/mo
▼ 0.25% · 3.875%
HK$125,426
−HK$3,845/mo
Today · 4.125%
HK$129,271
baseline
▲ 0.50% · 4.625%
HK$137,136
+HK$7,865/mo
Deposit HK$11.43M · loan HK$26.67M · min. income ≈ HK$258,542/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,619,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,326
−HK$7,311/mo
▼ 0.25% · 3.875%
HK$138,955
−HK$3,682/mo
Today · 4.125%
HK$142,637
baseline
▲ 0.50% · 4.625%
HK$150,156
+HK$7,519/mo
Deposit HK$11.43M · loan HK$26.67M · min. income ≈ HK$285,274/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,619,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,398
−HK$9,807/mo
▼ 0.25% · 3.875%
HK$161,262
−HK$4,943/mo
Today · 4.125%
HK$166,205
baseline
▲ 0.50% · 4.625%
HK$176,318
+HK$10,113/mo
Deposit HK$3.81M · loan HK$34.29M · min. income ≈ HK$332,410/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,619,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,991
−HK$9,400/mo
▼ 0.25% · 3.875%
HK$178,657
−HK$4,734/mo
Today · 4.125%
HK$183,391
baseline
▲ 0.50% · 4.625%
HK$193,058
+HK$9,667/mo
Deposit HK$3.81M · loan HK$34.29M · min. income ≈ HK$366,782/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,619,432 · Scale 2, in force from 26 Feb 2026)