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$87,971
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$90,708
−HK$2,780/mo
Today · 4.125%
HK$93,488
baseline
▲ 0.50% · 4.625%
HK$99,176
+HK$5,688/mo
Deposit HK$19.29M · loan HK$19.29M · min. income ≈ HK$186,976/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$1,639,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,867
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$100,492
−HK$2,663/mo
Today · 4.125%
HK$103,155
baseline
▲ 0.50% · 4.625%
HK$108,592
+HK$5,437/mo
Deposit HK$19.29M · loan HK$19.29M · min. income ≈ HK$206,310/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$1,639,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,566
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$108,849
−HK$3,336/mo
Today · 4.125%
HK$112,185
baseline
▲ 0.50% · 4.625%
HK$119,012
+HK$6,827/mo
Deposit HK$15.43M · loan HK$23.15M · min. income ≈ HK$224,370/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,639,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,441
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$120,590
−HK$3,196/mo
Today · 4.125%
HK$123,786
baseline
▲ 0.50% · 4.625%
HK$130,310
+HK$6,524/mo
Deposit HK$15.43M · loan HK$23.15M · min. income ≈ HK$247,572/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,639,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,160
−HK$7,723/mo
▼ 0.25% · 3.875%
HK$126,991
−HK$3,892/mo
Today · 4.125%
HK$130,883
baseline
▲ 0.50% · 4.625%
HK$138,847
+HK$7,964/mo
Deposit HK$11.57M · loan HK$27.01M · min. income ≈ HK$261,766/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,639,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,014
−HK$7,402/mo
▼ 0.25% · 3.875%
HK$140,689
−HK$3,727/mo
Today · 4.125%
HK$144,416
baseline
▲ 0.50% · 4.625%
HK$152,029
+HK$7,613/mo
Deposit HK$11.57M · loan HK$27.01M · min. income ≈ HK$288,832/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,639,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,348
−HK$9,930/mo
▼ 0.25% · 3.875%
HK$163,274
−HK$5,004/mo
Today · 4.125%
HK$168,278
baseline
▲ 0.50% · 4.625%
HK$178,517
+HK$10,239/mo
Deposit HK$3.86M · loan HK$34.72M · min. income ≈ HK$336,556/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,639,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,161
−HK$9,517/mo
▼ 0.25% · 3.875%
HK$180,885
−HK$4,793/mo
Today · 4.125%
HK$185,678
baseline
▲ 0.50% · 4.625%
HK$195,466
+HK$9,788/mo
Deposit HK$3.86M · loan HK$34.72M · min. income ≈ HK$371,356/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,639,631 · Scale 2, in force from 26 Feb 2026)