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$87,863
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$90,596
−HK$2,777/mo
Today · 4.125%
HK$93,373
baseline
▲ 0.50% · 4.625%
HK$99,054
+HK$5,681/mo
Deposit HK$19.27M · loan HK$19.27M · min. income ≈ HK$186,746/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$1,637,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,747
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$100,368
−HK$2,660/mo
Today · 4.125%
HK$103,028
baseline
▲ 0.50% · 4.625%
HK$108,458
+HK$5,430/mo
Deposit HK$19.27M · loan HK$19.27M · min. income ≈ HK$206,056/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$1,637,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,436
−HK$6,611/mo
▼ 0.25% · 3.875%
HK$108,715
−HK$3,332/mo
Today · 4.125%
HK$112,047
baseline
▲ 0.50% · 4.625%
HK$118,865
+HK$6,818/mo
Deposit HK$15.41M · loan HK$23.12M · min. income ≈ HK$224,094/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,637,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,296
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$120,442
−HK$3,191/mo
Today · 4.125%
HK$123,633
baseline
▲ 0.50% · 4.625%
HK$130,150
+HK$6,517/mo
Deposit HK$15.41M · loan HK$23.12M · min. income ≈ HK$247,266/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,637,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,008
−HK$7,714/mo
▼ 0.25% · 3.875%
HK$126,834
−HK$3,888/mo
Today · 4.125%
HK$130,722
baseline
▲ 0.50% · 4.625%
HK$138,676
+HK$7,954/mo
Deposit HK$11.56M · loan HK$26.97M · min. income ≈ HK$261,444/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,637,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,845
−HK$7,394/mo
▼ 0.25% · 3.875%
HK$140,515
−HK$3,724/mo
Today · 4.125%
HK$144,239
baseline
▲ 0.50% · 4.625%
HK$151,842
+HK$7,603/mo
Deposit HK$11.56M · loan HK$26.97M · min. income ≈ HK$288,478/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,637,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,153
−HK$9,918/mo
▼ 0.25% · 3.875%
HK$163,073
−HK$4,998/mo
Today · 4.125%
HK$168,071
baseline
▲ 0.50% · 4.625%
HK$178,298
+HK$10,227/mo
Deposit HK$3.85M · loan HK$34.68M · min. income ≈ HK$336,142/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,637,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,944
−HK$9,506/mo
▼ 0.25% · 3.875%
HK$180,663
−HK$4,787/mo
Today · 4.125%
HK$185,450
baseline
▲ 0.50% · 4.625%
HK$195,225
+HK$9,775/mo
Deposit HK$3.85M · loan HK$34.68M · min. income ≈ HK$370,900/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,637,612 · Scale 2, in force from 26 Feb 2026)