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$87,724
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$90,452
−HK$2,773/mo
Today · 4.125%
HK$93,225
baseline
▲ 0.50% · 4.625%
HK$98,897
+HK$5,672/mo
Deposit HK$19.24M · loan HK$19.24M · min. income ≈ HK$186,450/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,635,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,592
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$100,209
−HK$2,655/mo
Today · 4.125%
HK$102,864
baseline
▲ 0.50% · 4.625%
HK$108,286
+HK$5,422/mo
Deposit HK$19.24M · loan HK$19.24M · min. income ≈ HK$205,728/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,635,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,268
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$108,543
−HK$3,326/mo
Today · 4.125%
HK$111,869
baseline
▲ 0.50% · 4.625%
HK$118,676
+HK$6,807/mo
Deposit HK$15.39M · loan HK$23.08M · min. income ≈ HK$223,738/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,635,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,110
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$120,251
−HK$3,186/mo
Today · 4.125%
HK$123,437
baseline
▲ 0.50% · 4.625%
HK$129,943
+HK$6,506/mo
Deposit HK$15.39M · loan HK$23.08M · min. income ≈ HK$246,874/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,635,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,813
−HK$7,701/mo
▼ 0.25% · 3.875%
HK$126,633
−HK$3,881/mo
Today · 4.125%
HK$130,514
baseline
▲ 0.50% · 4.625%
HK$138,456
+HK$7,942/mo
Deposit HK$11.54M · loan HK$26.93M · min. income ≈ HK$261,028/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,635,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,628
−HK$7,382/mo
▼ 0.25% · 3.875%
HK$140,292
−HK$3,718/mo
Today · 4.125%
HK$144,010
baseline
▲ 0.50% · 4.625%
HK$151,601
+HK$7,591/mo
Deposit HK$11.54M · loan HK$26.93M · min. income ≈ HK$288,020/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,635,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,902
−HK$9,902/mo
▼ 0.25% · 3.875%
HK$162,814
−HK$4,990/mo
Today · 4.125%
HK$167,804
baseline
▲ 0.50% · 4.625%
HK$178,015
+HK$10,211/mo
Deposit HK$3.85M · loan HK$34.62M · min. income ≈ HK$335,608/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,635,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,665
−HK$9,490/mo
▼ 0.25% · 3.875%
HK$180,376
−HK$4,779/mo
Today · 4.125%
HK$185,155
baseline
▲ 0.50% · 4.625%
HK$194,915
+HK$9,760/mo
Deposit HK$3.85M · loan HK$34.62M · min. income ≈ HK$370,310/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,635,014 · Scale 2, in force from 26 Feb 2026)