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$87,096
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$89,805
−HK$2,753/mo
Today · 4.125%
HK$92,558
baseline
▲ 0.50% · 4.625%
HK$98,189
+HK$5,631/mo
Deposit HK$19.10M · loan HK$19.10M · min. income ≈ HK$185,116/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$1,623,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,893
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$99,492
−HK$2,636/mo
Today · 4.125%
HK$102,128
baseline
▲ 0.50% · 4.625%
HK$107,511
+HK$5,383/mo
Deposit HK$19.10M · loan HK$19.10M · min. income ≈ HK$204,256/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$1,623,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,515
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$107,766
−HK$3,303/mo
Today · 4.125%
HK$111,069
baseline
▲ 0.50% · 4.625%
HK$117,827
+HK$6,758/mo
Deposit HK$15.28M · loan HK$22.92M · min. income ≈ HK$222,138/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,623,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,272
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$119,390
−HK$3,164/mo
Today · 4.125%
HK$122,554
baseline
▲ 0.50% · 4.625%
HK$129,014
+HK$6,460/mo
Deposit HK$15.28M · loan HK$22.92M · min. income ≈ HK$245,108/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,623,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,934
−HK$7,647/mo
▼ 0.25% · 3.875%
HK$125,727
−HK$3,854/mo
Today · 4.125%
HK$129,581
baseline
▲ 0.50% · 4.625%
HK$137,465
+HK$7,884/mo
Deposit HK$11.46M · loan HK$26.74M · min. income ≈ HK$259,162/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,623,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,651
−HK$7,328/mo
▼ 0.25% · 3.875%
HK$139,289
−HK$3,690/mo
Today · 4.125%
HK$142,979
baseline
▲ 0.50% · 4.625%
HK$150,516
+HK$7,537/mo
Deposit HK$11.46M · loan HK$26.74M · min. income ≈ HK$285,958/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,623,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,773
−HK$9,831/mo
▼ 0.25% · 3.875%
HK$161,649
−HK$4,955/mo
Today · 4.125%
HK$166,604
baseline
▲ 0.50% · 4.625%
HK$176,741
+HK$10,137/mo
Deposit HK$3.82M · loan HK$34.38M · min. income ≈ HK$333,208/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,623,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,408
−HK$9,423/mo
▼ 0.25% · 3.875%
HK$179,085
−HK$4,746/mo
Today · 4.125%
HK$183,831
baseline
▲ 0.50% · 4.625%
HK$193,521
+HK$9,690/mo
Deposit HK$3.82M · loan HK$34.38M · min. income ≈ HK$367,662/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,623,315 · Scale 2, in force from 26 Feb 2026)